CRA (Community Reinvestment Act)

Performance Evaluation Reports (Exam Prep)

Reports include: Self-Assessment; Market Data Analysis; Performance Context information; Loan Distribution organized for Lending Test Analysis; Maps of Lending and Demographics; Professional Consulting on Reports.


Assessment Area Review (“Live” Mapping Session)

Includes Loan Distribution Maps; Live Mapping Session; Expert Analysis; Drive –Time and Distance Analysis for Branches; Professional Consulting; Taped Session; Final AA Map(s).


Key Performance Benchmark Reports (Market Data)

Market Data extracted from the latest FFIEC National Reported HMDA, CRA, and Community Development. These Reports set the standards by which a bank will be examined. They expose the “performance context” information that can be supportive of a bank’s performance results. It is the information examiners will use to evaluate you.


CRA Program Template

The starting place for building a professional CRA Program, it includes:

  • CRA Policy
  • CRA Procedures
  • CRA Data Entry Guide
  • CRA Audit Checklist
  • CRA Committee Agenda
  • Documents and Worksheets

CRA Training and Consulting

A GeoDataVision expert will work with you and your personnel in the areas of HMDA/CRA/Fair Lending/Community Development. These services can be provided via the web or onsite, in person. In addition to hands on consulting and training, we also provide webinars (live and recorded) that are extremely useful in training your staff.


GeoDataVision

CRA Data Review Includes:

  1. Initial dated application.
  2. Application to support borrower income and applicant information (race, sex, ethnicity).
  3. Underwriting transmittal summary (if income is not supported by the application).
  4. HMDA Worksheet if one was completed.
  5. Documentation to support loan purchase type (if loan is not kept in portfolio).
  6. Loan Note (if loan was made).
  7. Adverse Action Letter (if application was denied).
  8. Withdrawal email or other evidence of withdrawal from applicant (if application was withdrawn by the customer).
  9. HOEPA letter or printout, if applicable.

If we are conducting an electronic review, prior to completing and submitting the draft spreadsheet with the results to the Bank, we will communicate with our point of contact at the Bank of any issues due to lack of documentation in order to obtain additional documentation necessary to complete or clarify the review. Obviously, if we are conducting an onsite review, the need for additional information will be addressed during the review. Hopefully this will enable the process to go smoothly and eliminate the need for multiple drafts of the review results.

Data Scrubs

Reports include an Excel spreadsheet documenting the HMDA and CRA files selected for testing and the results of the comparison of the application/file information to the LAR and Microdata file; each Excel spreadsheet will include a legend to reference the source document used to perform the review. Also, a sample of all source documents from one loan file used to review a LAR entry.


Geocoding Records

Banks supply records with acceptable street, city, state, and zip code addresses for which we provide completed geocoding. Normal acceptance tolerance is 95%. Additional manual searches for more completeness can be done at additional charges.


Process & Procedures

  • Data
  • Data Processing
  • Record Maintenance
  • Sytems Analysis
  • Management

Process & Procedures Review

This is an onsite review of the bank’s “processes and procedures” for maintaining and processing CRA, Fair Lending, and Community Development activity.