The 2026 CRA NPR proposes a concept called “Major Product Line” (“MPL”) that potentially would eliminate the CRA examination of small farm lending by major small farm lenders. The concept, proposed by regulators as a form of regulatory “relief”, would…
GeoDataVision has received so many requests for online interactive majority-minority census tract maps that we’ve created a brand new online map based on the 2026 FFIEC demographic file. This “live” map allows viewers to see any census tract in the…
Coverage has focused on the proposed changes in bank-size categories. But the proposed Tier 1-capital benchmarks for community development may be the far more consequential story. The reported story Most news coverage of the 2026 Community Reinvestment Act Notice of…
Affordable housing is a major public issue Regulators consider affordable housing mortgage lending as an important compliance responsibility. Affordable housing is a major political topic for the mid-term elections and will be a top priority for the 2028 presidential election.…
How 2 Dominant Lenders Distort the CRA “Borrower Characteristics” Benchmark In my previous article I wrote about how two lenders, American Express and JPMorgan Chase captured a market share of 53.3% of all small business loans reported by FDIC and…
GeoDataVision has been examining the latest (2024) CRA data to determine the impact of the NPR published by the FDIC and the OCC. We found some shocking statistics. In this post I will focus on one of those statistics. I…
2024 CRA market snapshot Who leads small-business lending? This ranking compares 528 FDIC- and OCC-regulated lenders by reported small-business loan origination volume, with institution assets and national market share alongside each rank. 528 Ranked institutions 8.47M Reported originations 53.32% Share…
I know what I will be doing all this week. Right of the bat, I observe that the reporting threshold would rise to banks with assets greater than $10 billion. For the year 2024 (the latest year for which CRA…
Your browser does not support the video tag. Every CRA Officer needs affordable housing data. For the First Time, Special Affordable Housing Reports are available But, CRA officers have had very little readily available data to measure the housing affordability crisis in their community. To…
Len Suzio CEO & Founder Community Development · CRA Analysis New Valuable Community Development Loan Data For CRA Analysis Is Now Available Community Development lending is a very important part of CRA performance examinations for all Intermediate-Small and Large banks.…
Perhaps the most unique and important data released by the FFIEC annually is the data pertaining to Community Development Lending. There is no other database in the country that captures this critically important data. GeoDataVision now makes available the 2024…
NY Mortgage Companies: Are You Ready For Your New Section 120 Responsibilities? On January 6, 2026, the New York State Department of Financial Services published its new Section 120 regulations. Section 120 imposes on mortgage companies that extended 200 or…
One of the top political themes in 2026 politics is “affordability”. Most people would argue that affordable housing should be at the top of the “affordability” crisis. The single most important database when it comes to the financing of housing…
Effective July 7, 2026, mortgage companies that extend at least 200 mortgage originations in NY state are subject to a new regulation that requires them to meet the credit needs of the communities they serve. One of the first and…
CD Lending Satisfactory Goals Outstanding Goals Qualified Investments Satisfactory Goals Outstanding Goals Combined CD Lending and Qualified Investments Satisfactory Goals Outstanding Goals Services Satisfactory Goals Outstanding Goals
During the Biden presidency the prudential bank regulators and the DOJ began to prosecute cases of alleged redlining much more aggressively than had been historical practice. A key concept in almost all cases was the idea of a “REMA”, or…
Even if you don’t use the strategic plan option or are examined by FDIC or FRB you should readthis At first glance most bankers would think that the OCC’s proposed simplified CRA strategic plan process would not be of interest…
The Community Reinvestment Act mandates that a bank meets the credit needs of the communities which it serves as delineated by its CRA assessment areas. The regulation has a simple test to address that issue. It’s called the “CRA Assessment…
Does it do the job? On December 17, 2025, the Office of the Comptroller of the Currency (OCC) published proposed new guidance that is intended to streamline the process for a CRA-covered financial institution to obtain approval of a CRA…
One of the headline-leading compliance issues during 2025 has been the Trump Administration’s announcement in Executive Order 14281(“Restoring Equality of Opportunity and Meritocracy”) to “seek to eliminate the use of disparate impact liability in all contexts to the maximum degree…