(five) If the Retail Lending Examination proposed summary isn't going to precisely replicate the financial institution's effectiveness inside of a Retail Lending Exam Region in which one or more with the bank's important products strains is made up of fewer than 30 loans;
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Responsive credit score products and courses might consist of, but will not be restricted to, credit score products and applications that:
The Board considers the branch availability and products and services offered at branches of banking institutions that run a number of branches pursuant to paragraph (b)(two) of the section.
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Pursuant to § 228.21, the Retail Lending Check evaluates a financial institution's record of assisting to meet up with the credit rating demands of its whole Neighborhood with the financial institution's origination and purchase of house home loan loans, multifamily loans, tiny organization loans, and little farm loans.
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The bank should submit its draft want to the Board a minimum of ninety days previous to the proposed helpful date in the system. The lender must also post with its draft system:
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Pursuant to § 228.28 and appendix D to this element, the Board incorporates a bank's Retail Lending Check conclusions into its Point out or multistate MSA rankings, as applicable, and its establishment rating.
(ii) All of the counties inside the nonmetropolitan spot of the Point out (using the MSA boundaries that were in influence as of January one of your calendar calendar year by which the delineation applies), excluding:
In taking into consideration CRA functionality in an software described in paragraph (a) of the area, the Board requires under consideration any views expressed by fascinated functions which are submitted in accordance with the Board's Regulations of Method established forth in 12 CFR section 262.
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