News & Information

ūüĒ•ūüĒ•New CRA NPR May be a Double-Whammy for banksūüĒ•ūüĒ•
As I continue to review the 2022¬†CRA¬†NPR¬†I am recognizing more and more potential problems for bankers if the Rule is adopted as proposed.¬†Today I am going to briefly comment on what I call the¬†“Double¬†Whammy”¬†for¬†banks¬†subject to the¬†new¬†proposed Retail Lending Test. What do I mean?The¬†NPR¬†proposes that¬†banks¬†be evaluated under the Retail Lending Test not only in their traditional “Facility-Based Assessment Areas” but in¬†new¬†“Retail Lending Assessment Areas” and “Outside Areas” too.¬†This is one of the most radical provisions in the¬†NPR.¬†It means that bank lending outside of the branch assessment areas will be subject to scrutiny for the first time ever – and it can‚Ķ
2022 CRA NPR: A 5‚ÄźAlarm Fire in the Making for Banks
Register for the webinar Dear Banker, Readers and reviewers of the 2022 joint CRA NPR issued by the bank regulators on May 5 may be overwhelmed by the long (679 pages) and complex proposed rule-making document. Just trying to grasp the proposal is a daunting task. For sure, the NPR does contain some overwhelming changes including bank sizes, assessment area delineation rules, deposit reporting for very large banks, and the application of new tests. It takes a while to absorb the number and magnitude of the changes within the proposal. But buried in the document are some tables developed by…
New unique 2022-2021 census tract reference books from GeoDataVision
Products and ServicesMapping Products and ServicesCRA Assessment Area MapsLoan Distribution MapsMarket Data MapsCensus Tract Street MapsDemographic MapsZip Code MapsLive Mapping AnalysisDeposit MapsBranch Closing Analysis MapsCRA (Community Reinvestment Act)CRA Performance Evaluation ReportsAssessment Area Review (Live Mapping session)Key Performance Benchmark Reports (KPBs)CRA Program TemplateData ScrubsGeocoding RecordsProcess and Procedures ReviewFair Lending Products and ServicesHMDA Mortgage Market ReportsFair Lending Risk Analysis ReportsFair Lending Consulting and TrainingMinority Market ReportsSupport ServicesCRA Program TemplateBranch Closing Analysis ReportsCRA and HMDA Data Entry GuidesData ScrubsCommunity Needs Assessment ReportsGeocoding RecordsBranch Closing Analysis ReportsProcess and Procedures ReviewResourcesAbout usContact usInteractive maps Products and ServicesMapping Products and ServicesCRA Assessment Area MapsLoan Distribution MapsMarket…
2022 Community Reinvestment Act Census Tract Reference Books
GeoDataVision President Len Suzio announced the release of the free 2022 Census Tracts with Majority-Minority tract designations. “The FFIEC released these files 10 days ago and we at GeoDataVision are making available for free listings of the new 2022 tracts so bankers and the public can identify the new tract identities and those determined to qualify as “Majority-Minority” status based on a minority population that exceeds 50% of a census tract’s total population. These are very important for Fair Lending analysis”, said Suzio. The tracts listings are available by state and organized by County name and census tract number.
Free Small Business Lending Market Rank & Share Reports
The long awaited 2020 CRA Aggregate & Disclosure Data was finally finally released last week, on December 21 by the FFIEC. GeoDataVision has now compiled the data into a variety of market reports that are invaluable for market analysis as well as regulatory compliance purposes. We are making available the statewide Small Business Loan Market Rank & Market Share Report for free (limit 3 states per bank) for anyone interested. Find out who is #1 for small business lending in your state and how your bank compares. Just visit Small Business Lending Market Rank & Share Report for your free…
2021 Community Reinvestment Act Census Tract Reference Books
Every year the FFIEC issues updated demographic databases for Community Reinvestment Act purposes. The FFIEC was unusually late publishing the data this year. Bankers have been waiting months for the 2021 demographics to be released. GeoDataVision has prepared CRA Census Tract Reference books available for free on the GeoDataVision website. The free GeoDataVision CRA Census Tract reference books are organized by state, county and tract and contain tract identities plus the following invaluable information: Tract income classification,Tract majority/minority statusTract distressed statusTract underserved statusthe 2020 EMFI needed to compute borrower income class for 2021 The reports also summarize the above information…
FFIEC announces delayed release of the new 2022 census tracts
On Friday, March 18, the FFIEC explained why the anticipated new 2022 census tracts which will be based on the Census 2020 results have been delayed and simultaneously announced the anticipated release schedule. Below is the detailed explanation. FFIEC Statememt: Due to delays with multiple products from the U.S. Census Bureau, the FFIEC has faced challenges in releasing the 2022 FFIEC Census products. In order to respond to user needs, the FFIEC will release the various FFIEC Census products in a sequential manner as the data become available. Using the Census Redistricting Data released on August 12, 2021, the FFIEC…
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2019 Community Reinvestment Act Census Tract Reference Books
 Compare Tract Inc Class Summary Tables
GeoDataVision Announces Summary of 2019 Community Reinvestment Act Tract Income Class Changes
2019 MSA National Map
2019 MSA national map
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Community Development Lending Reports
One of the most important CRA responsibilities for Intermediate-Small Banks and Large Banks is “Community Development Lending”. But while Community Development Lending is critically important, there is very little information available about the Community Development Loan Market. The most valuable data publicly available is the annual Community Development file released by the FFIEC. But anyone familiar with the FFIEC “CRA Data Products” knows that capturing the information for any given market is all but impossible. GeoDataVision has captured all the 2016 reported Community Development and Consortium Lending for the entire country and has prepared the data in extremely useful and‚Ķ
GeoDataVision Community Reinvestment Act (CRA) Training Webinars
Each webinar is priced at $250. A special discounted price of $500 is available for anyone who registers for all 3 webinars. Purchase All Three Recordings As an added bonus, the programs in the webinars in this series have been approved for continuing education credits by ABA and ICB* so those of you working towards earning your CRCM or CLBB have the opportunity to earn credits toward certification. Buy Defining your Assessment Area Defining your Assessment Area ‚Äď Your Most Important CRA Decision! “How you define your Assessment Area affects everything – your performance and examiner expectations. It is a‚Ķ
Risk Management Guidance for Higher Loan- to-Value Lending in Communities Targeted for Revitalization
On February 9, at the 2016 CRA Conference in Los Angeles the Comptroller of the Currency, Thomas Curry, announced a draft of a soon-to-be-published proposal to encourage banks to help revitalize “targeted” neighborhoods by engaging in higher loan-to-value mortgages. The OCC recognizes that banks and other parties have expressed concern that depressed housing values in certain distressed communities in the United States inhibit mortgage lending in these communities. One way in which banks can support revitalization efforts in distressed communities is by offering mortgage products for purchasing, or purchasing and rehabilitating, one- to four-unit residential properties where the loan amount‚Ķ
Computer-Generated Maps for Bank Compliance and Market Analysis
Visualize your market! Computer-generated maps are an exciting opportunity for banks to literally see their markets as never before. It’s one thing to examine a table of the mortgage market in Bridgeport Connecticut and it’s another thing to see a map of the Bridgeport mortgage market. Map 1 Bridgeport CT HMDA Mortgage Market A table of the data may identify volume and tract numbers but it’s very difficult to visualize exactly where the activity is located. A map presents a picture that allows the viewer to recognize the geographic dispersion of loans, deposits, branches, etc. The above map reveals there‚Ķ
2019-MSA-National-Map
Metropolitan Statistical Areas (MSA’s) and Metro Divisions are important considerations in Assessment Area construction.
Many bankers are not aware that when they have AA’s within one of the eleven “mega” MSA’s they can designate any or all of the MSA as an AA. However, when examiners evaluate their bank’s CRA performance the procedure is to break down the AA into Metro Divisions for performance evaluation purposes. Bankers who want to mimic regulatory examination procedures to help them anticipate their examination experience may want to break up their AA into multiple AA’s when they are located within one of the 11 mega MSA’s. To help bankers who may be confronted with this issue GeoDataVision has‚Ķ
How to prepare for your CRA exam.
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CRA Small Business Loan Market Rank & Market Share Reports
GeoDataVision President Len Suzio today announced the publication of important Small Business Loan Market Rank and Market Share Reports for each state. “A critical part of CRA performance evaluations is the ‘Performance Context’ and there is no more important or meaningful performance context data than the actual small business lending data reported under the Community Reinvestment Act (CRA). GeoDataVision is releasing critical market rank and market share data in easy-to-read reports as a free public service to bankers and the public,” Suzio stated. GeoDataVision has developed a unique set of market reports that depicts small business loan market rank and‚Ķ
Assessment Area Guide
CRA Assessment Area Construction Guide
Do you feel the pressure to reach impossible or ill-defined CRA Performance goals ? How you have constructed your Assessment Area may be your problem! When they construct their Assessment Area most bankers are concerned only about being technically compliant. But that is the easiest part of the problem. The real concern should be how Assessment Area configuration affects the performance standards used to rate their bank’s CRA performance. All CRA performance standards are driven by “performance context” and “performance context” is determined by how you have constructed your defined community!

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