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Could the CRA NPR Eliminate Examination of Small Farm Lending by the Most Active Lenders?

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 limit CRA examinations to the two most active loan products offered by a bank. The […]

GeoDataVision publishes Interactive online Minority Census Tract Map

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 USA and determine a tract's minority status including "Majority-Minority" tracts and "Super Majority Minority" tracts. […]

The 2026 CRA NPR: The Bombshell in Plain Sight No One Has Reported

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 Proposed Rulemaking has focused on the proposed changes in bank-size categories. That focus is understandable. […]

Are Banks Shortchanging their reported Affordable Housing Lending Activity?

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. Affordable housing also is an important form of community development lending under the Community Reinvestment […]

CRA Data is Already Skewed by Lending of Two Top Lenders – CRA NPR will exacerbate the bias

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 OCC-regulated CRA lenders during 2024. This market dominance has important implications for the other 3,575 […]

The 2026 CRA NPR “Relief” is Illusory: 2024 CRA Data Prove It

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 will address other stunning numbers in subsequent posts. The NPR proposes a draconian reduction in […]

2024 FDIC and OCC Small Business Lender Rank by Small Business Loan Volume

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 held by the top two 88.26% Share held by the top ten Complete ranking All […]

New FDIC – CRA proposed CRA Rule is “only” 407 pages long!

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 data is currently available (July 31, 2025) 731 financial institutions reported CRA activity and only […]

Every CRA Officer needs affordable housing data. For the First Time, Special Affordable Housing Reports are available

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 meet the needs of CRA officers, GeoDataVision has developed a suite of 4 special Affordable Housing Reports […]

New Valuable Community Development Loan Data For CRA Analysis Is Now Available

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. But how do bank examiners judge Community Development performance? The answer: Examiners use “performance context” […]

Free 2024 Community Development Reports from GeoDataVision

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 GeoDataVision Community Development Market Reports for the entire country. The reports are organized by state […]

NY Mortgage Companies: Are You Ready for Your New Section 120 Responsibilities?

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 more mortgage originations in New York State during the prior calendar year an obligation to […]

Why Doesn’t the CFPB Publish Useful Affordable Housing Data?

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 in the United States is extracted from the Home Mortgage Disclosure Act, or “HMDA”. The […]

Mortgage Companies subject to NY State CRA Rule Need to Understand Importance for Assessment Area Delineation

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 most important things those mortgage companies must understand is how important the concept of "assessment […]

OCC proposed “elective” goals for CRA strategic planning

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

Fair Lending: The REMA problem needs to be addressed by bank regulators

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 “Reasonably Expected Market Area.” A REMA is not defined in statutes nor in regulations, nevertheless […]

Important Lessons in OCC Simplified Strategic Plan Proposal for all ISB’s and Large Banks

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 because either they are banks not regulated by the OCC or they have no intention […]

What is adequate loan volume under the Community Reinvestment Act?

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 Area Concentration Ratio" which calculates the percentage of a bank's CRA-related lending within its defined […]

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