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(ii) To accumulate possession or Charge of shares or all or significantly all the belongings of the financial institution, to trigger a lender to be a subsidiary of a financial institution holding company, or to merge or consolidate a bank holding firm with any other lender Keeping company within a transaction that requires approval under part three on the Financial institution Keeping Company Act (twelve U.S.C. 1842);
The Board may possibly take into account a bank's Group advancement loans, Group improvement investments, and Neighborhood improvement products and services offered beyond its facility-centered evaluation areas, as provided With this section.
The Board may possibly approve a prepare after thinking of the factors in paragraph (h)(three) of the part and when it establishes the bank has supplied enough justification for your plan and every aspect of the system as required in paragraph (d) of this portion.
(ii) Why an analysis of the financial institution pursuant to any element of a system in paragraph (d)(one) of the portion would much more meaningfully reflect a lender's document of helping to fulfill the credit rating needs of its Group than if it were evaluated under the general performance checks that might implement from the absence of the authorised approach; and
Just before submitting a draft intend to the Board for approval pursuant to paragraph (h) of this portion, a financial institution have to:
These disclosure statements suggest the selection and greenback amount of all tiny enterprise loans and little farm loans originated or bought for every census tract and also the number and greenback level of all community advancement loans and community enhancement investments for each county by reporting banking institutions, except which the Board could regulate the form on the disclosure if required, due to Exclusive situation, to guard the privateness of the borrower or even the aggressive place of a bank.
indicates the period of time, usually in calendar yrs, throughout which a lender performed the functions that the Board evaluates in the CRA examination, in accordance With all the Board's suggestions and procedures.
(i) All the data demanded to the financial institution's general public file must be taken care of at the principle office and, if an interstate bank, at 1 department Place of work in Every State; and
(B) A lender besides a significant financial institution may possibly consist of a community enhancement companies ingredient and accompanying annual measurable objectives in its program.
(B) For big banking companies that experienced assets lower than or equal to $10 billion as of December 31 in both of your prior two calendar many years, the Board considers a financial institution's deposit products and solutions only on the lender's possibility.
A lender must maintain a community file, in both paper or electronic structure, that features the next data:
(3) The financial institution may well not assert Group development loans or community improvement investments accounting for over its proportion share (based upon the extent of its participation or investment) of the total loans or investments made by the here consortium or 3rd party.