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Deposit goods aware of the requirements of small- and moderate-revenue folks, people, or households involve but aren't restricted to, deposit products and solutions with the next types of characteristics:
(ii) The retail banking companies and retail banking products and solutions requirements of its facility-dependent evaluation spots and at the institution amount that happen to be lined by the strategy.
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The Board considers the usage of a financial institution's deposit goods conscious of the demands of minimal- and moderate-profits men and women, people, or households dependant on the following facts:
The Board evaluates an intermediate bank's document of helping to meet the credit requires of its whole Neighborhood pursuant for the Retail Lending Take a look at in § 228.
Responses regarding tax implications are informational only. Truist and its Associates don't present tax or authorized suggestions. You should consult your particular person tax or lawful professional ahead of having any motion that may have tax or legal outcomes.
(B) A bank might specify using property as an alternative denominator to get a Local community improvement funding metric if it better actions a lender's capability.
The dollar volume of the limited goal financial institution's Neighborhood growth loans and Neighborhood development investments that advantage or serve the Point out or multistate MSA and an assessment with the effects and responsiveness of those loans and investments, as provided in § 228.fifteen.
Buys of home finance loan-backed securities the place a vast majority in the fundamental loans will not be loans that the financial institution originated or bought and:
The Board costs the effectiveness of an intermediate financial institution evaluated below this segment as presented in appendix D to this component.
Except for a small bank that opts to become evaluated pursuant to your Retail Lending Check in § 228.22, the Board assigns conclusions for your overall performance of a little financial institution evaluated below this portion as furnished in appendix E to this portion.
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For every important products line, the Board develops a independent supporting summary for every category of census tracts and each group of borrowers explained in paragraphs V.a and VI.a of appendix A to this component.