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When implementing efficiency tests and strategic strategies pursuant to paragraph (a) of the area, and when pinpointing irrespective of whether to approve a strategic program pursuant to § 228.
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(A) The Board considers the electronic delivery techniques together with other shipping methods of the following banks:
) The number of examining and price savings accounts opened digitally and through other supply techniques which have been Lively at the end of each calendar yr by census tract cash flow amount for every calendar year.
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(B) The Board establishes that evaluation beneath the strategy wouldn't supply a far more significant reflection on the financial institution's record of helping to meet up with the credit score requirements from the lender's Local community;
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The Board evaluates the file of an intermediate lender, or a little financial institution that opts for being evaluated under the Retail Lending Take a look at, of helping to fulfill the credit rating requirements of its whole community in its exterior retail lending location pursuant to § 228.22, for click here a certain calendar calendar year, if:
For residence house loan loans, the bank ought to establish the home property finance loan loans described by its operations subsidiary less than 12 CFR element 1003, if relevant, or gather and maintain facts on residence home loan loans by its operations subsidiary that the financial institution would have collected and managed pursuant to paragraph (a)(3) of this segment experienced the lender originated or obtained the loans.
Tasks to revitalize or stabilize a focused census tract which include each business and residential elements qualify as revitalization or stabilization pursuits beneath this paragraph (e)(2), if:
Pursuant to § 228.21, the Group Development Funding Test for Constrained Purpose Banks evaluates a restricted reason bank's file of helping to satisfy the credit rating needs of its whole community by way of Group development loans and Group development investments (