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News & Information

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2022 CRA NPR: Maybe Some Regulators are Listening

There are some signs that regulators are becoming aware of the major problems inherent in the 2022 CRA NPR and are starting to question the cost and benefits of the proposed Rule. In an August 6, speech before the Kansas Bankers Association, FRB Governor Michelle Bowman said, "While I am a strong supporter of the fundamentals behind […]

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CRA NPR would exempt more than 2,000 leading small business lenders from CRA examination in more than 1,000 markets!!

The controversial 2022 CRA NPR comment period ended on Friday, August 5. While the proposed Rule does have some very good improvements in the Regulation, it also had some very serious, if not fatal, flaws. The NPR was long (679 pages) and complicated. In fact, the proposed Rule was so complicated that even the regulators […]

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The Disastrous CRA NPR: Free Live Session with Nationally Recognized CRA Experts Ken Thomas and Len Suzio

Dear Banker,As I write this email there are fewer than 30 days to go before the comment period ends on the proposed CRA Rule that, based on data in the NPR, would increase the CRA exam failure rate by more than 500%.Make no mistake about it, if passed as proposed, the proposed Rule will have serious negative […]

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GeoDataVision announces online Free 2022 Tract Income Class maps

Dear Banker, Everyone has been inquiring about the new 2022 census tracts and their income classifications. The FFIEC as of this date (June 29, 2022) has yet to post the 2022 tract income classes on its geocoding website (although it does allow geocoding to the tract identity). GeoDataVision has now created an online 2022 Census […]

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🔥🔥New CRA NPR May be a Double-Whammy for banks🔥🔥

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 […]

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2022 CRA NPR: A 5‐Alarm 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 […]

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New unique 2022-2021 census tract reference books from GeoDataVision

GeoDataVision has received many inquiries about the changes in census tract identities, income classification, and minority status. So we have prepared one-of-a-kind tract reference books that juxtapose the 2022 tracts and their income class and minority status. If you would like a copy of the free 2022-2021 tract comparison reference books fill out the form […]

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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 […]

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Free Small Business Lending Market Rank & Share Reports

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. (The 2021 aggregate and disclosure data will be available Dec 2022) We are […]

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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 […]

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GeoDataVision Announces Summary of 2019 Community Reinvestment Act Tract Income Class Changes

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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 […]

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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 […]

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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 […]

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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 […]

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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 […]

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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 […]

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