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CRA Amendments in the Gramm-Leach Act
Provides that bank holding companies organized as a mutual holding companies will be regulated on terms comparable to other bank holding companies.

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Our Car Loan Terms - Welcome to Hong Leong Bank
Hong Leong Car Loan. When it comes to buying a car, Hong Leong Bank will put you straight in the driver's seat with our hassle-free car financing. Features & .

CRA financial definition of CRA. CRA finance term by the Free ...
Meaning of CRA as a finance term. What does CRA mean in finance? . Enacted by Congress in 1977, the CRA encourages banks to help meet the credit needs .

Community Reinvestment Act (CRA) Definition | Business ...
Business Definition for: Community Reinvestment Act (CRA). Dictionary of Banking Terms. Community Reinvestment Act (CRA). federal law requiring banks to .

Originator and Holder

Capital Adequacy Ratio (CAR): Definition from
Almost all banking regulators require that banks hold. . National regulators track a bank's CAR to ensure that it can absorb a reasonable amount of loss and complies with statutory . Barron's Banking Dictionary Dictionary of Banking Terms.

FDIC: Definitions of Terms in CRA Performance Evaluations
Oct 28, 2010 . Each depositor insured to at least $250,000 per insured bank . (CRA) Performance Ratings Home > Definitions of Terms in CRA Performance .

Small Business Glossary of Terms - TD Bank
A glossary of terms frequently used in small business. . CRA Community Reinvestment Act. Cash Flow The movement of money into and out of your business .

Making payments for businesses
Aug 1, 2012. CRA. Enter a search term . The Canada Revenue Agency (CRA) prefers to receive electronic payments. You can use your financial institution's Internet or telephone banking services, or use the CRA's My Payment service.

Vendor and Lender

Capital Adequacy Ratio (CAR) Definition | Investopedia
It is expressed as a percentage of a bank's risk weighted credit exposures. . A slang term used to describe an advanced trading strategy based purely on .

MSBA banking terms and acronyms flashcards | Quizlet
Vocabulary words for Vocab created for MSBA conference in .

Apr 13, 2012 . The Canada Revenue Agency prefers to receive electronic payments. . or telephone banking services, or use the CRA's My Payment service. . The terms instalment payment and interim payment are interchangeable.

OCC: Community Reinvestment Act (CRA)
Search national bank CRA ratings and performance evaluations and get lists of banks . definitions for these terms, and a reference to the authorizing regulation.

CRA 101 - The Federal Reserve Bank of San Francisco: Economic ...
CRA 101. Welcome to CRA 101 online training. This training module provides an . and its terms to the public and the appropriate federal banking agency.

Capital adequacy ratio - Wikipedia, the free encyclopedia
Capital adequacy ratio (CAR), also called Capital to Risk (Weighted) Assets Ratio . National regulators track a bank's CAR to ensure that it can absorb a . the Creative Commons Attribution-ShareAlike License; additional terms may apply.

Community Reinvestment Act - PolicyLink
As banks become regional and national in scope, they understand that it is important . To accomplish its goals, a CRA agreement (bankers may prefer the term .

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Community Reinvestment Act - Wikipedia, the free encyclopedia
An institution's CRA compliance record is taken into account by the banking . sold with favorable terms (as determined by the appropriate Federal financial .

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This articles discusses negotiating your loan terms. . Funding, the nation's largest independent mortgage banker, "but not many people try. . Knock down the rate on a $15,000 4-year car loan from 9% to 8.5% and you save $170.40 over the .

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Car Insurance - Cheap Car Insurance Quotes - Tesco Bank
Tesco Car Insurance is arranged and administered by Tesco Bank and is underwritten by a select range of insurers. . Additional Terms and Conditions .

CRA Guide to Data Reporting and Collection - FFIEC
A Guide to CRA Data Collection and Reporting. 2. This user's guide . total banking and thrift assets of less than $1 billion. . refinancings, as those terms have .

Borrowing | Citizens Bank
Citizens Bank | Good Banking is Good Citizenship . Rate and terms may change at any time before or after account opening and vary by property type, loan . Not applicable to Bond, CRA, certain Jumbo loans and 15-year FHA/VA loans.

Benchmark Bank / Online Banking Terms
NOTE: These terms of use are for individuals only. Do you need business terms of use? Benchmark Bank is pleased to offer internet banking access to customer .

Glossary | The Federal Reserve Bank of Minneapolis
Other terms sometimes used to describe such terminals are customer-bank . Enacted by Congress in 1977, the CRA encourages banks to help meet the credit .

CRA - Board of Governors of the Federal Reserve System
banks examined under all five CRA examination methodologies (small bank, intermediate small . Describe the terms that relate to assessment area delineation .

Community Reinvestment Act - Federal Reserve Bank of New York
In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following group: Outstanding record of .

First National Bank > About FNB > CRA Statement
A Bank management team member will be appointed CRA officer. The CRA officer will establish, implement and . Terms and Conditions of Your Account .

Benchmark Bank / Public CRA Statement

Community Reinvestment Act (CRA) Definition | Investopedia
The CRA requires federal regulators to assess the record of each bank or thrift in helping to . Haunting Wall Street: The Halloween Terminology Of Investing .

79 VALR 349 (Cite as: 79 Va
The first is to develop a proposal for change in CRA enforcement that answers the . This response will use the term "banks" to cover all institutions so regulated .

CRA Lending Focus - East West Bank
General Focus – The Bank's CRA philosophy is centered around three basic . In addition to the Bank's existing loan programs, a new Short Term Lending .

12 CFR 303.2 - Definitions. - Code of Federal Regulations - Title 12 ...
Code of Federal Regulations - Title 12: Banks and Banking - Subpart A: Rules of . Insurance Act. Additional definitions of terms used in this part are as follows: . any comment concerning the Community Reinvestment Act (CRA), fair lending, .

First Scottsdale - Terms and Conditions
Personal Banking Demonstrations . TERMS AND CONDITIONS . Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency .

FirstMerit Banking Tools
The terms and conditions of products offered by institutions will differ and may affect the results of . FirstMerit Bank and its affiliates are not tax or legal advisers.

Scapegoating Minorities for Failures of Banking
Scapegoating Minorities for Failures of Banking Blaming CRA makes little sense, but gets finance industry off the hook. By Mary Kane. It seems, on the face of it, .

Additional Account Information & Terms - Canandaigua National Bank
At least 30 days before the beginning of each quarter, the Comptroller publishes a list of the banks that are scheduled for CRA examination by the Comptroller in .

Credit Ratings Accuracy and Analyst Incentives - AEAweb Journal ...
We construct a model in which analysts initially work at a CRA and can then either remain or move to a bank. The CRA uses incentive contracts to motivate .

Community Reinvestment: The Broader Agenda
Jun 26, 2009 . In these terms, CRA has been a success. . The core CRA concept of a bank's local service area hardly fits a Bank of America or a Wells Fargo.

Home Mortgage Disclosure Act (HMDA) - Federal Reserve Bank of ...
By Karin Modjeski Bearss, Senior Examiner, Federal Reserve Bank of Minneapolis, . Outlook Live webinar titled “Tips for Reporting Accurate HMDA and CRA Data. . Do we report short-term home improvement loans that have a documented .

Equal Credit Opportunity: Understanding Your Rights Under the Law
People use credit to pay for education or a house, a remodeling job or a car, or to . Not everyone who applies for credit gets it or gets the same terms: Factors like . regularly extend credit, including banks, small loan and finance companies, .

Community Reinvestment Act
Aug 9, 2012 . This chapter discusses the Community Reinvestment Act (C.R.A.), which was designed to increase community reinvestment. . 8-158 Banking Law 158.syn . the meaning of specific C.R.A. and implementing regulation terms .

The CRA Implications of Predatory Lending
2. Henceforth, we use the term “bank” to denote both banks and thrifts. 3. For CRA purposes, LMI borrowers are those borrowers whose household incomes are .

Community Development Banking
Key's Community Development Banking (CDB) is committed to the success of underserved . Since the passage of the CRA, Key has earned seven consecutive .

CRA - Acronyms and Abbreviations - The Free Dictionary
A state regulator said a similar law hadn't had adverse effects on credit unions in his state, and a representative of the American Bankers Association said CRA .

M&T Bank : Community Reinvestment
M&T Bank has always believed that its success is tied to the health and vibrancy . more about M&T in your community and to contact your Regional CRA officer.

Credit Discrimination

Auto Loans - UMB Bank
. your loan at any UMB banking center and drive home in your new car within . Pre-approval gives you the negotiating power of a cash buyer; Flexible terms let .

CRA Sunshine: Disclosure and reporting of CRA-Related Agreements
banking agency or written comments to a bank that must be included in the bank's CRA public file, and excluding this understanding from the terms of the written .

Auto Loans, New & Used Car Loans, Auto Financing | Sovereign Bank
Apply for an auto loan today at Sovereign Bank for a new car or used vehicle. . With rates as low as 3.09% APR* and flexible terms, we're confident we can .

Car loan | Newcomers to Canada | BMO Bank of Montreal
If you're buying a car, BMO has borrowing solutions and flexible payment options. Use our . Home Personal Banking Small Business Commercial Corporate .

Why Use it? - PolicyLink
Increasingly, this biannual bank CRA examination by federal regulators offers . This keeps lending focused on the short-term bottom line and not on long-term .

Community Development | Sovereign Bank
Learn about Sovereign Bank's commitment to improving and sustaining our . Our 2011 CRA report outlines the $1.8 billion provided to the communities we .

Is the SBIC Program Right for You? - American Bar Association
A bank's CRA rating can also have effects beyond the CRA regulations, for example Federal Housing Finance Board regulations restrict long terms advances .

Source: HMDA LAR and CRA LR Bank Data (2006 and 2007). - FDIC
The bank was evaluated under CRA Large Bank evaluation procedures . In terms of market share, BSI achieved a market rank of 2nd in both 2006 and 2007, .

Home Loans | Personal Banking | Union Bank
Online & Mobile Banking . Union Bank offers an on-time closing guarantee for new home purchase loans. . Terms and conditions subject to change.

Banker's Glossary - A - American Banker
Accordingly, to the extent that loans are written with payment terms and maturities that reflect the borrower's cash flow stream, the cash flow to the bank from loan .

United States
CRA, which provides that regulated financial institu-tions have a continuing and . Bush appointments to bank regulatory agencies are actively hostile to the CRA. . and damaging terms and conditions that have resulted in very high levels of .

Other definitions and rules of construction used in this part.
(ii) The NGEP that is a party to the agreement makes a CRA communication, . The terms Federal banking agency and appropriate Federal banking agency .

CRA Advisory Committee and Community ... - Sovereign Bank
The Community Reinvestment Act (CRA) Advisory Committee and the Community Investment Committee help Sovereign Bank assess the ways in which they .

Car Insurance | Car Insurance Quotes | NatWest Car Insurance
Get an instant car insurance quote online and discover great benefits with NatWest Car Insurance, such as 24-hour accident . NatWest : Helpful Banking .

1993 - Yale Law School Legal Scholarship Repository
26 The CRA does not by its terms apply to acquisitions by bank holding companies of nonbanking firms under § 4(c)(8) of the Bank Holding Company Act , see .

Further readings

First National Bank's CRA Officer Recipient of Dorothy Richardson ...
Jul 6, 2012 . First National Bank's CRA Officer Recipient of Dorothy Richardson Award. . The term "noninterest-bearing transaction account" includes a .

FDIC: FDIC Law, Regulations, Related Acts - Rules and Regulations
Jun 29, 2012 . 345.29 Effect of CRA performance on applications. Subpart . The term bank also includes an insured state branch as defined in § 345.11(c).

Retirement Account Access - North Side Bank
Look to the North: Providing superior banking services to Cincinnati. . Terms and Conditions. There are important terms and conditions associated with using .

Structuring - Wikipedia, the free encyclopedia
Structuring, also known as smurfing in banking industry jargon, is the practice of . The term "smurfing" is derived from the image of the comic book characters, the . We're seeing blister packs everywhere because they're sitting in the car, .

My Payment—save time, pay online!
Mar 9, 2012 . You can use this service if you have access to online banking at a participating financial institution. . Search CRA. Enter a search term . The CRA offers other types of electronic services for making a payment. For more .

Small Business Lending in Massachusetts, 2007-2010 Abstract ...
Local community banks, many of which are not included in the CRA . at local community banks increased by 6.2% and 3.0% in terms of the number and dollar .

The Twenty-Fifth Anniversary of the Community Reinvestment Act ...
At the time of the CRA's passage, banks and thrifts originated the vast majority of . particularly in terms of their greater outreach to minority borrowers. 3.1 CRA .


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Residual Value Definition | Investopedia
. lease, or at the end of its useful life.If you lease a car for three years, its residual value is how much it is worth after three years. The residual value is determined by the bank that issues the lease before the lease begins. . Term Of The Day .

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FirstMerit's Mobile Banking allows you to check balances, transfer funds and find . more about mobile security; View our mobile banking terms & conditions .

FDIC: FIL-17-2012: Guidance to Help Financial Institutions and ...
Mar 22, 2012 . Extending repayment terms, restructuring existing loans, or easing terms . Banks may receive favorable Community Reinvestment Act (CRA) .

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Bank Consolidation and Small Business Lending within ... - FDIC
CRA considerations, however, should cause banks to be less inclined to reduce their focus on customers that “count” in terms of CRA evaluation.