(1) Facts indicating that a financial institution ordered shut-finish house home finance loan loans, tiny business enterprise loans, little farm loans, or auto loans for the only or Major function of inappropriately improving its retail lending effectiveness, like, although not limited to, details indicating subsequent resale of this kind of loans or any indicator that these kinds of loans have already been deemed in various depository establishments' CRA evaluations, where circumstance the Board would not take into consideration such loans during the bank's functionality evaluation;

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(i) The range and proportion of originations and apps of the large bank's dwelling mortgage loan loans by borrower or applicant money degree, race, and ethnicity;

(ix) An indicator for if the loan was to a business or farm with gross annual revenues increased than $1 million; and

(one) Establishes the framework and requirements by which the Board assesses a financial institution's record of responding on the credit history requirements of its complete Group, which include low- and moderate-revenue neighborhoods, per the safe and sound Procedure of your bank; and

(three) Positive aspects or serves one or more geographic spots with lower levels of Local community development financing;

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means a bank, excluding a lender specified as being a confined purpose lender pursuant to § 228.26, that had assets of not less than $2 billion as of December 31 in the two from the prior two calendar decades. The Board adjusts and publishes the figure In this particular definition per year, determined by the year-to-12 months adjust in the common of the Consumer Price tag Index for Urban Wage Earners and Clerical Staff, not seasonally adjusted, for every 12-month period of time ending in November, with rounding to the nearest million.

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A lender should specify in its plan how all components of a program included in paragraphs (g)(1) as a result of (5) of the segment, together with almost every other relevant performance assessments not A part of an accredited strategic plan, really should be considered to assign:

(B) For giant banking institutions that experienced property less than or equivalent to $10 billion as of December 31 in either of the prior two calendar a long time, the Board considers a financial institution's deposit merchandise only with the bank's selection.

(B) A big bank may modify the Retail Services and Items Exam by getting rid of a component on the take a look at.

The Board considers the loans, expenditure, products and services, and products of a bank's operations subsidiaries underneath this aspect, unless an functions subsidiary check here is independently subject to the CRA.