This program provides a review of the current, the FDIC’s proposed, the FRB’s advanced proposed, and the OCC final requirements of CRA and its implementing regulations, including:

• Existing, proposed and revised performance tests, standards, and ratings;
• Assigned ratings under current, proposed and revised regulations;
• Assessment area delineation under the current rule and the new facility-based and deposit-based methods;
• New concepts such as retail deposits, retail lending product lines, and qualifying activities lists;
• Evaluation concepts such as CRA Evaluation Measures, geographic distribution tests, and borrower distribution tests;
• Evaluation options under current, proposed and final rules;
• Current data collection requirements and the expanded requirements under the proposed and final rules;
• Community Development activities under the current, proposed and revised regulations;
• The status of “intermediate small banks." (Will the category continue to exist?);
• How small is a "small bank" under existing ($1.305 billion), proposed ($500 million) and revised regulations ($600 million);
• An explanation of the periodic adjustments to the asset-size thresholds used to define “small bank” and “intermediate small bank;”
• A review of recent redlining cases;
• A review of the CRA Questions and Answers, exam results and CRA agreements; • Public file requirements;
• CRA notices;
• An explanation of how to obtain community development credit for COVID-19-related activities; and
• The status of the proposed and final revisions to the regulations.