The Board evaluates a financial institution's branch availability and providers within a facility-based evaluation location depending on the subsequent:
Notwithstanding the necessities of the area, a military services lender whose clients are certainly not Positioned within just an outlined geographic spot may well delineate your complete United States and its territories as its sole facility-based assessment space.
The Board evaluates a military services lender pursuant to the relevant overall performance exams described in paragraph (a) of the section.
(B) Except as presented in § 228.fifty one(e), a big lender having a merged total of 10 or more facility-dependent evaluation areas and retail lending assessment places in almost any Point out or multistate MSA, as relevant, or for the establishment may not get a rating of “Satisfactory” or “Exceptional” in that Condition or multistate MSA, as relevant, or for that establishment, Unless of course the bank receives an All round conclusion of no less than “Small Satisfactory” in sixty p.c or maybe more of the full range of its facility-centered evaluation parts and retail lending evaluation parts in that Condition or multistate MSA, as relevant, or for your institution.
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(A) Combines the effectiveness scores for every supporting summary for every major merchandise line into an item line score; and
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b of appendix A to this part for facility-based assessment parts and retail lending assessment places, and paragraph III.d of appendix A to this element for outside retail lending locations; and
To evaluate a lender's retail banking products and services, the Board considers a lender's branch availability and companies presented at branches, remote services facility availability, and electronic shipping programs and also other shipping and delivery methods, as follows:
The Board considers the availability of click here distant assistance services in the following geographic areas:
(i) The general public's involvement in formulating the draft strategy, like specific facts concerning the users of the general public and organizations the bank contacted and how the bank collected details appropriate into the draft approach;
Aspects deemed in assessing the effect and responsiveness of a lender's Group progress loans, Local community advancement investments, and Neighborhood improvement services include, but are usually not restricted to, whether the Group progress loan, Neighborhood improvement investment, or Group growth services:
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The Board considers the loans, investments, companies, and merchandise of affiliates of the lender that are not functions subsidiaries, within the financial institution's possibility, issue to the following: