(5) A summary of retail banking products and services (including several hours of operation, readily available loan and deposit products and solutions, and transaction fees) commonly available within the lender's branches and descriptions of fabric dissimilarities in The provision or price of companies at specific branches, if any.
Pursuant to § 228.28 and appendix C to this component, the Board assigns conclusions for just a financial institution's Retail Providers and Products Exam functionality in Each and every facility-based mostly evaluation space, Point out and multistate MSA, as relevant, and with the establishment.
The Board considers Neighborhood improvement loans and Local community development investments allocated pursuant to paragraph I.b of appendix B to this aspect.
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(ix) An indicator for whether or not the loan was to a company or farm with gross once-a-year revenues larger than $one million; and
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(3) Added benefits or serves one or more geographic parts with low levels of Neighborhood progress financing;
(ii) Any county in a nonmetropolitan place during which the lender did not originate or invest in any closed-conclude home home finance loan loans, little business enterprise loans, tiny farm loans, or vehicle loans if auto loans are a product line to the lender.
The Board assessments the impact and responsiveness on the financial institution's Neighborhood advancement loans and community growth investments that advantage or serve a multistate MSA, as presented in § 228.15.
A bank may possibly post further information and facts for the more info Board over a private foundation, however the aims mentioned within the prepare needs to be adequately particular to permit the public plus the Board to guage the deserves of your plan.
Affiliated depository institutions supervised by precisely the same Federal fiscal supervisory company may well get ready a joint prepare, delivered that the system includes, for every bank, the relevant functionality tests that may implement from the absence of an authorized strategy.
(one) All created opinions gained from the public for The present year (up-to-date with a quarterly basis with the prior quarter by March 31, June 30, September 30, and December 31) and every from the prior two calendar yrs that exclusively relate towards the lender's efficiency in assisting to meet up with Local community credit score needs, and any response into the responses via the bank, if neither the reviews nor the responses contain statements that reflect adversely on The great title or reputation of any individuals besides the bank or publication of which would violate precise provisions of law;
(B) A substantial bank may well modify the Retail Providers and Products and solutions Examination by eradicating a component on the exam.
(B) The extent to which the system has adequately justified the need for any approach and every facet of the approach as expected in paragraph (d) of the portion.