Why CRA Data and Analysis is More Important Than Ever
|
|
|
- Evelyn Sullivan
- 5 years ago
- Views:
Transcription
1 Why CRA Data and Analysis is More Important Than Ever The webinar will begin at the top of the hour. You may download the presentation at: Why CRA Data and Analysis is More Important Than Ever Thank you for attending. The webinar has started. Housekeeping Asking Questions Downloading Materials QuestSoft.com/CRAData Technical Difficulties GoToMeeting Support (877) Disclaimer! 1
2 Today s Panelists Loretta Kirkwood Vice President, Compliance Leonard Ryan President Moderator Scott Mortenson Marketing Director Why CRA Data and Analysis is More Important Than Ever Wednesday, November 7, 2018 Loretta Kirkwood Vice President, Compliance The Community Reinvestment Act (CRA) Timeline Year Action 1977 CRA Enacted by Congress 1989 Financial Institution Reform and Recovery Act of 1989 CRA Public Disclosure of Ratings / Performance Evaluations 1995 CRA Regulation Revised Improve examination consistency, clarify performance standards, and reduce cost and compliance burden 1999 Gramm Leach Bliley Act Established Satisfactory CRA rating requirement to engage in new activities, requirement to disclose CRA agreements, and lengthened CRA exam cycle for community banks and thrifts 2005 CRA Regulation Revised New definitions for small bank and intermediate small bank and introduction of distressed and underserved non metropolitan middle income geographies and designated disaster areas 2017 CRA Regulation Revised Aligned the definition of home mortgage and consumer loans with HMDA changes (800) All Rights Reserved. 2
3 The Community Reinvestment Act (CRA) Timeline Date Action 02/14/2018 U.S. Government Accountability Office CRA Study Give More Consideration to Basic Banking Services (Service Test) Evaluate Small Dollar Non Mortgage Consumer Loans Expanding Assessment Areas to Include Services / Loans Provided Outside of Geographic Area Expand to Cover Affiliates, Credit Unions, and Non Banks 04/03/2018 U.S. Dept of Treasury CRA Modernization Recommendations Assessment Area Definition Increase Transparency / Effectiveness of CRA Rating Determinations Improve Timeliness of Evaluations and Increase Bank s Accountability Performance Incentives Related to Low and Moderate Income Communities 09/05/2018 OCC CRA Advanced Notice of Proposed Rulemaking Revising the Current Regulatory Approach (Performance Evaluation Method, Metric Based Framework, and Redefining Communities and Assessment Areas) Expanding CRA Qualifying Activities Recordkeeping and Reporting (800) All Rights Reserved. References U.S. Government Accountability Office CRA Study U.S. Department of Treasury Community Reinvestment Act Findings and Recommendations 04/4 3 18%20CRA%20memo.pdf OCC Advanced Notice of Proposed Rule Making (ANPR) Reforming the Community Reinvestment Act Regulatory Framework issuances/news releases/2018/nr occ a.pdf (800) All Rights Reserved. Background Encourage depository institutions to meet the credit needs of the communities in which they operate, including low and moderateincome neighborhoods, consistent with safe and sound banking operations. Requires that each insured depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. An institution s CRA rating is taken into account in considering an application for deposit facilities, including mergers and acquisitions. (800) All Rights Reserved. 3
4 Examination Process Current Process Different Evaluation Methods Inconsistent Exam Cycles Limited Market Data No Performance Benchmarks Inconsistent Evaluation of CRA Activities Metro vs. Non Metro Reviews (800) All Rights Reserved. Examination Process Potential Changes Evaluation Method Institution s size, business model, and other factors Demographics, economic and financial conditions of communities Separately evaluate retail and CD activities for all banks Metrics Based Framework Ratings based on quantitative benchmarks Standards for quantifying CRA activities Community defined more broadly business of banking Expand types of LMI activities (800) All Rights Reserved. Assessment Area vs. Community Current Requirements Must include main office, branches, deposit taking ATMs, and substantial portion of originated or purchased loans Must not reflect illegal discrimination redlining May not arbitrarily exclude low or moderate income geographies Whole vs. partial geographies (contiguous) Cannot combine MSA and non MSA areas Potential Changes Expanded to include LPOs and non bank affiliate offices Based on concentration of deposits, lending, employees, depositors, or borrowers Digital lending channel footprint (800) All Rights Reserved. 4
5 CRA Qualified Activities Current Process Benefit LMI Geographies / Individuals Q&A Provides Guidance Examiner Review / Approval Potential Changes Clear Standards Expanded Options Weighting of Activities (800) All Rights Reserved. CRA Recordkeeping and Reporting Current Process Asset based $1.252 billion Small Business, Small Farm, Community Development No Aggregate Data / Comparative Analysis Potential Changes Financial Institutions Required to Report Data to be Reported Frequency of Reporting (800) All Rights Reserved. Be Prepared Assessment Area / Community Review Banking Services Deposits, Non Branch Offices Lending Performance Review New HMDA Open End, Reverse Mortgages All Small Business / Small Farm Loans Consumer Loans (800) All Rights Reserved. 5
6 Why CRA Data and Analysis is More Important Than Ever Wednesday, November 7, 2018 Leonard Ryan President Let s Discuss Yesterday s Mid Term Election Senate Becomes More Republican Presidential Appointees are confirmed by Senate not House. Mulvaney would have still been appointed to CFPB. Democrats Take Over House Maxine Waters has already indicated a strong combative attitude towards financial institutions. Don t expect further regulatory relief without CRA, LMI, or Affordable Housing strings attached to legislation. Any relief will probably come from regulators and not Congress. Expect a strong push by Waters teaming up with Elizabeth Warren on the Senate side to fight for significant changes to the Community Reinvestment Act. (800) All Rights Reserved. Your New House FSC Chairwoman I have not forgotten you foreclosed on our houses. I have not forgotten that you undermined our communities. I have not forgotten that you sold us those exotic products, had us sign on the line for junk and for mess that we could not afford. And for doing that, I have people who are homeless who have never gotten back into a home. What am I going to do to you? What I m going to do to you is fair. I m going to do to you what you did to us. Maxine Waters D California Expected Chairwoman, House Financial Services Committee November 1, 2018 (800) All Rights Reserved. 6
7 Compliance RELIEF CRA By the Numbers As of November 6, 2018 Current Financial Institutions Using One or More QuestSoft Products = 2,643 Banks Using QuestSoft Products = 1,357 (51%) Banks Using CRA & Market Data Modules = 491 Banks Considering Switch to CRA RELIEF By Feb, = 72 Regulatory Exams Using CRA RELIEF = Over 1,200 QuestSoft Bank Customers by Regulatory Agency (800) All Rights Reserved. QuestSoft Competitive Advantages Only CRA provider that has designed its own Geocoder. Others use third party geocoding engines where they cannot control new features or integrate multiple databases (for example CFPB geocoding). Only CRA Provider that has 100% control of its Mapping software. Easiest to Use Mapping Module. Other systems take days of training to start using. Only HMDA API for LOS Systems. (800) All Rights Reserved. Planned Year 2019 Features Following are areas QuestSoft intends to focus its resources on for next year Plans for 2019: New Mapping Features scheduled for Early Q1 Release. Multi User Expansion for lower volume customers. New Analytical Reports for all modules scheduled throughout next year. Fair Lending Module scheduled for first quarter. Upgraded Graphics and integration with Word and Excel. Examiner, Executive and CRA Committee Dashboards. Establish Analysis Areas using our Assessment Area technology that can be used for any analysis of your lending (HMDA, CRA, Fair Lending, etc.). Optimizer Module Enhancements. (800) All Rights Reserved. 7
8 LMI Eligibility/Investment Review On a Per Loan Basis While Processing Determine LMI (Geography/Income/Both) Tract Minority Percentage Inside/Outside of Your Assessment Areas Established Investor Interest Potential Banks Interested in the Loan and potential increase in BP profit Distressed/Underserved Information CDFI Information (800) All Rights Reserved. Changes to Instant HMDA and Compliance EAGLE (800) All Rights Reserved. Changes to Instant HMDA and Compliance EAGLE Currently Anticipating Nov/Dec Availability Instant HMDA Review to be changed to move exempted fields into a new category. A preferences section similar to Compliance RELIEF will be added to the Administrator screens to allow the Instant HMDA/Compliance EAGLE user to coordinate their selections to Compliance RELIEF or other HMDA management systems. Exempt Fields Provided Value Rate Spread Origination Charges Exempt Discount Points Exempt Lender Credits Exempt Loan Term 1111 (800) All Rights Reserved. 8
9 Questions? Loretta Kirkwood Vice President, Compliance (949) Leonard Ryan President (949) You can enter your question in the GoToWebinar application box in the Questions section. If we can t get to your question during this session, we will create a Q & A document with all the questions and answers for For information on your review. products referenced during this presentation, contact QuestSoft at option 1 or visit QuestSoft Webinar Series Expanded HMDA = Expanded Fair Lending Risk Tuesday, March 5, (800) All Rights Reserved. Thanks for joining us today! Now it s time to make compliance relaxing For more information on solutions, call (800) option 1 or visit us at You can download this presentation at: 9
Why CRA Data and Analysis is More Important Than Ever
Why CRA Data and Analysis is More Important Than Ever The webinar will begin at the top of the hour. You may download the presentation at: www.questsoft.com/cradata Why CRA Data and Analysis is More Important
S.2155 Implementation The Latest HMDA Changes
S.2155 Implementation The Latest HMDA Changes The webinar will begin at the top of the hour. You may download the presentation at: www.questsoft.com/hmdachanges S.2155 Implementation The Latest HMDA Changes
Objectives Upon completion of the CRA overview, you should:
CRA Basics Objectives Upon completion of the CRA overview, you should: Understand the purpose of the CRA; Understand terms and definitions under the CRA regulation including bank exam types Be generally
Upon completion of this session you should: Become more familiar with the history/purpose of CRA;
CRA Basics Objectives Upon completion of this session you should: Become more familiar with the history/purpose of CRA; Become more familiar with terms and definitions under the CRA regulation; Introduce
Make Compliance Relaxing
Understanding Community Development Make Compliance Relaxing Sit back, relax. The webinar will begin at the top of the hour. While you are waiting, you may download the presentation outline at: QuestSoft.com/CD-webinar
CRA Basics and the Exam Process
CRA Basics and the Exam Process Objectives Upon completion of the CRA overview, you should understand: l Purpose of the CRA l Terms and definitions under the CRA regulation including bank exam types l
Make Compliance Relaxing
CRA Mistakes & Misunderstandings Make Compliance Relaxing Sit back, relax. The webinar will begin at the top of the hour. While you are waiting, you may download the presentation outline at: QuestSoft.com/CRA-Mistakes
Make Compliance Relaxing
Make Compliance Relaxing Sit back, relax. The webinar will begin at the top of the hour. CRA Mistakes & Misunderstandings While you are waiting, you may download the presentation outline at: QuestSoft.com/CRA
Proposed Changes to the Community Reinvestment Act (CRA) September 13, 2018
Proposed Changes to the Community Reinvestment Act (CRA) September 13, 2018 1 Overview: The Community Reinvestment Act The Community Reinvestment Act (CRA) became law in 1977 to combat discriminatory lending
Proposed Changes to the Community Reinvestment Act (CRA) October 3, 2018
Proposed Changes to the Community Reinvestment Act (CRA) October 3, 2018 1 Overview: The Community Reinvestment Act The Community Reinvestment Act (CRA) became law in 1977 to combat discriminatory lending
An introduction to the Community Reinvestment Act. John Meeks Atlanta Region FDIC Community Affairs
An introduction to the Community Reinvestment Act John Meeks Atlanta Region FDIC Community Affairs What is the CRA? CRA stands for: The Community Reinvestment Act of 1977 The regulations implementing the
CRA a Brief History Lynette C. Briggs, VP - Regional CRA Officer
CRA a Brief History Lynette C. Briggs, VP - Regional CRA Officer August 2016 Community Reinvestment Act (CRA) a Brief History 2 Community Reinvestment Act (CRA) The Community Reinvestment Act (CRA) Brief
CRA History. The Community Reinvestment Act passage did two things:
CRA History The Community Reinvestment Act passage did two things: The discussion of CRA brought light to the illegal practice of redlining. Required regulated financial institutions to help meet the credit
Please stand by, the presentation will begin shortly. Your phones have been muted. If you re using the speakers on your PC you don t need to call in.
Please stand by, the presentation will begin shortly. Your phones have been muted. If you re using the speakers on your PC you don t need to call in. While you are waiting, you may download the presentation
Community Reinvestment Act for Community-Based Organizations. March 24, 2015 Providence, RI
Community Reinvestment Act for Community-Based Organizations March 24, 2015 Providence, RI Objectives Understand the purpose of the CRA and key definitions Understand how banks are evaluated under CRA
HMDA Filing Update. The webinar will begin at the top of the hour. You may download the presentation at:
HMDA Filing Update The webinar will begin at the top of the hour. ou may download the presentation at: www.questsoft.com/hmdaupdate HMDA Filing Update Thank you for attending. The webinar has started.
Bringing Broadband to Maine s Rural Communities. Tuesday, October 25, 2016
Bringing Broadband to Maine s Rural Communities Tuesday, October 25, 2016 1 The Community Reinvestment Act The Community Reinvestment Act encourages depository institutions to meet the credit needs of
American Bankers Association Comment Letter Writing Guide: CRA Modernization
American Bankers Association Comment Letter Writing Guide: CRA Modernization The OCC has issued an Advance Notice of Proposed Rulemaking (ANPR) seeking input on the best ways to modernize the regulatory
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 14, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Orange County Trust Company RSSD No. 176101 212 Dolson Avenue Middletown, NY 10940 FEDERAL RESERVE BANK OF NEW YORK
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE February 22, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Orange County Trust Company RSSD No. 176101 212 Dolson Avenue Middletown, NY 10940 FEDERAL RESERVE BANK OF NEW YORK
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE March 10, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Tioga State Bank RSSD No. 910118 1 Main Street P.O. Box 386 Spencer, NY 14883 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE November 26, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Southern Bancorp Bank RSSD# 852544 601 Main Street Arkadelphia, Arkansas 71923 Federal Reserve Bank of St. Louis P.O.
The Compliance Management Program and Understanding the Examination Process
The Compliance Management Program and Understanding the Examination Process Bank Operations Institute October 17, 2013 Annette Schindler FDIC Lauri Angle- FDIC Molly McKnight - OCC Diane van Gelder Federal
Page 1 of 20 Advanced Search Search FDIC... Su Home Deposit Insurance Consumer Protection Industry Analysis Regulations & Examinations Asset Sales News & Events About FDIC Home > Regulation & Examinations
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 12, 2017 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The First National Bank of Granbury 101 E. Bridge Street Granbury, TX 76048 Office of the Comptroller of the Currency Fort
CRA Manual September 2007
CRA Manual September 2007 National Community Reinvestment Coalition * http://www.ncrc.org * 202-628-8866 Table Contents Acknowledgments 3 Introduction 4 Summary CRA & How Public Can Be Involved 6 Outline
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 19, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD# 856748 200 South Third Street Batesville, Arkansas 72501 Federal Reserve Bank of St. Louis P.O. Box 442 St. Louis,
February 14, Dear Ms. Naulty:
February 14, 2014 Ms. Peggy Naulty Division of Consumer and Community Affairs Board of Governors of the Federal Reserve System 20 th Street and Constitution Avenue N.W. Washington, DC 20551 Dear Ms. Naulty:
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 18, 2017 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Sterling National Bank Charter Number 25075 400 Rella Boulevard Montebello, NY 10901-4243 Office of the Comptroller
NJBA Community Reinvestment Act and Fair Lending Conference February 23, 2016 Kevin McMahon, Senior Compliance Examiner
NJBA Community Reinvestment Act and Fair Lending Conference February 23, 2016 Kevin McMahon, Senior Compliance Examiner Overview CRA - Community Development Definition - Best Practices Fair Lending - Analysis
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 5, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Callaway Bank RSSD #719656 5 East Fifth Street Fulton, Missouri 65251 Federal Reserve Bank of St. Louis P.O. Box 442
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 24, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First State Bank of Red Bud RSSD # 356949 115 West Market Street Red Bud, Illinois 62278 Federal Reserve Bank of St.
New Developments in Community Reinvestment Act Regulation and Examination
New Developments in Community Reinvestment Act Regulation and Examination Northwest Compliance Conference Seattle, WA October 6, 2016 Legal Counsel to the Financial Services Industry Presented by: Warren
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE July 25, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Bank of Millbrook RSSD No. 175609 3263 Franklin Avenue Millbrook, New York 12545 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY
The New CFPB HMDA Rules
The New CFPB HMDA Rules What You Need to Know Thank you for attending. The webinar has started. Today s Panelists Kathleen Ryan Counsel BuckleySandler LLP Leonard Ryan President QuestSoft Corporation Moderator
The New CFPB HMDA Rules What You Need to Know
The presentation will begin shortly. Your phones have been muted. If you re using the speakers on your PC, you don t need to call in. While you are waiting, you may download the presentation online at:
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 6, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Mizuho Bank (USA) RSSD No. 229913 1251 Avenue of the Americas New York, NY 10020 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 15, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD# 311845 75 North East Street Fayetteville, Arkansas 72701 Federal Reserve Bank of St. Louis P.O. Box 442 St. Louis,
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE October 31, 2005 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD No. 236706 158 U.S. Highway 206 North Gladstone, New Jersey 07934 Federal Reserve of New York 33 Liberty Street
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 1, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Five Star Bank RSSD No. 601416 55 North Main Street Warsaw, NY 14203 Federal Reserve Bank of New York 33 Liberty Street
CRA Dollars: What Are They and How Do I Get Some?
CRA Dollars: What Are They and How Do I Get Some? May 18, 2017 Jason Paulateer Objectives Upon completion of this session, you should: Understand CRA better Types of CRA Dollars CRA Dollars Contacts 2
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE December 6, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Alden State Bank RSSD No. 414102 13216 Broadway Alden, New York 14004 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY STREET
CRA TOOLKIT. Resources to use in developing and implementing a CRA strategy for your bank.
CRA TOOLKIT Resources to use in developing and implementing a CRA strategy for your bank. Outline l Supervisory agency & other regulatory resources l Assessment area and geographic data resources l Performance
Re: Docket ID OCC : Reforming the Community Reinvestment Act Regulatory Framework
LIHTC WORKING GROUP Office of the Comptroller of the Currency Attn: Legislative and Regulatory Activities Division 400 7 th Street SW, Suite 3E-218 Washington, DC 20219 Re: Docket ID OCC-2018-0008: Reforming
CRA STRATEGY DEVELOPMENT. Housing Now! Conference October 15, 2015
CRA STRATEGY DEVELOPMENT Housing Now! Conference October 15, 2015 Exam Types Small bank Less than $305 million in assets as of last two year ends Intermediate small bank (ISB) Assets of a least $305 million,
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE December 3, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD: 368522 201 North Warren Avenue Apollo, Pennsylvania 15613 Federal Reserve Bank of Cleveland P.O. Box 6387 Cleveland,
PUBLIC DISCLOSURE. February 7, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Webster Bank, National Association Charter Number: 24469
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE February 7, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Webster Bank, National
December CRA Modernization. Meeting Community Needs and Increasing Transparency
CRA Modernization Meeting Community Needs and Increasing Transparency The June 12 Treasury Report to the President on Core Principles for Regulating the United States Financial System identified regulation
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
CapitalMark Bank & Trust CRA PUBLIC EVALUATION PUBLIC DISCLOSURE May 7, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CapitalMark Bank &Trust 801 Broad Street Chattanooga, Tennessee 37402 RSSD
Make Compliance Relaxing
Make Compliance Relaxing Sit back, relax. The webinar will begin, at the top of the hour. Loan Estimates & Eliminating SSPL Fee Cures While you are waiting, you may download the presentation outline at:
PUBLIC DISCLOSURE. December 6, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BANK OF EUFAULA RSSD#
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BANK OF EUFAULA RSSD# 343051 P.O. BOX 607 EUFAULA, OKLAHOMA 74432-0607 Federal Reserve Bank of Kansas City 925 Grand Boulevard Kansas
Serving and Investing in
Technical Elements (What qualifies?) Performance Context Community Development Services Community Development Investments 1 Community Development 1)Affordable housing g( (including multifamily rental housing)
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE March 6, 2017 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD No. 101671 185 Genesee Street Utica, New York 13501 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY STREET NEW YORK, NY
PUBLIC DISCLOSURE AUGUST 16, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION AMERICAN HERITAGE BANK RSSD#
PUBLIC DISCLOSURE AUGUST 16, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION AMERICAN HERITAGE BANK RSSD# 311050 2 SOUTH MAIN SAPULPA, OKLAHOMA 74066 Federal Reserve Bank of Kansas City 1 Memorial
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE July 24, 2017 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Financial Bank, National Association Charter Number 4166 400 Pine Street Abilene, TX 79601 Office of the Comptroller
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE February 22, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Empire State Bank RSSD No. 3277241 68 Plank Road Newburgh, New York 12550 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE September 17, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Belgrade State Bank RSSD #761244 410 Main Street Belgrade, Missouri 63622 Federal Reserve Bank of St. Louis P.O. Box
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE December 4, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION ALDEN STATE BANK RSSD No. 414102 13216 Broadway Alden, New York 14004 FEDERAL RESERVE BANK OF NEW YORK 33 Liberty Street
Community Reinvestment Act Basics. Utah Bankers Association 2015 Community Reinvestment Conference September 16,
Community Reinvestment Act Basics Utah Bankers Association 2015 Community Reinvestment Conference September 16, 2015 2 Agenda Background Information Evaluation Types Examination Process Discussion Questions
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE July 15, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Meridian Bank Texas Certificate Number: 11895 100 Lexington Street, Suite 100 Fort Worth, Texas 76102 Federal Deposit Insurance
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 26, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Amboy Bank RSSD No. 9807 3590 Highway 9 Old Bridge, NJ 08859 Federal Reserve Bank of New York 33 Liberty Street New
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 10, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Amboy Bank RSSD No. 9807 3890 U.S. Hwy 9 Old Bridge, New Jersey 08859 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY STREET
Investment in Indian Country: How Investments in Tribal Infrastructure and Other Tribal Projects May Qualify for Community Reinvestment Act Credit
Investment in Indian Country: How Investments in Tribal Infrastructure and Other Tribal Projects May Qualify for Community Reinvestment Act Credit By John Mussman, Randolph DelFranco and William Wood Tribal
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 9, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Peapack-Gladstone Bank RSSD No. 236706 500 Hills Drive Suite 300 Bedminster, New Jersey 07921 FEDERAL RESERVE BANK OF
PUBLIC DISCLOSURE. January 17, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. 500 Linden Avenue South San Francisco, California 94080
PUBLIC DISCLOSURE January 17, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Liberty Bank RSSD - 478766 500 Linden Avenue South San Francisco, California 94080 Federal Reserve Bank of San Francisco
The Community Reinvestment Act and Mortgage Lending. Terri Hasson Director Community Reinvestment WSFS Bank
The Community Reinvestment Act and Mortgage Lending Terri Hasson Director Community Reinvestment WSFS Bank thasson@wsfsbank.com 302-571-7015 Landscape of Home Purchase Lending in Delaware County PA Setting
PUBLIC DISCLOSURE. October 10, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. BPD BANK RSSD No
PUBLIC DISCLOSURE October 10, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BPD BANK RSSD No. 66015 90 BROAD STREET NEW YORK, NEW YORK 10004 Federal Reserve Bank of New York 33 Liberty Street
New and Re-emerging Fair Lending Risks. Article by Austin Brown & Loretta Kirkwood October 2014
New and Re-emerging Fair Lending Risks Article by Austin Brown & Loretta Kirkwood BY AUSTIN BROWN & LORETTA KIRKWOOD Austin Brown Loretta Kirkwood Regulators have been focused recently on several new and
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 17, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Marblehead Bank RSSD #513920 709 West Main Street Marblehead, Ohio 43440 Federal Reserve Bank of Cleveland P.O. Box
GENERAL INFORMATION. INSTITUTION'S CRA RATING: This institution is rated "Satisfactory."
GENERAL INFORMATION The Community Reinvestment Act (CRA) requires each federal financial supervisory agency to use its authority when examining financial institutions subject to its supervision, to assess
PUBLIC DISCLOSURE. June 4, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Utah Independent Bank RSSD #
PUBLIC DISCLOSURE June 4, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Utah Independent RSSD # 256179 55 South State Street Salina, Utah 84654 Federal Reserve of San Francisco 101 Market Street
Regulatory review RR
Regulatory review RR2012-01 January 12, 2012 REGULATORY REVIEW Table of Contents Final Rule Community Reinvestment Act Regulations... 1 Mortgage Acts and Practices Advertising (CFPB Regulation N) and Mortgage
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 2, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Legacy Bank & Trust Company RSSD # 397755 10603 Highway 32 P.O. Box D Plato, Missouri 65552 Federal Reserve Bank of St.
FHA TOTAL Scorecard Solutions. = QuestSoft.com/FHA Webinar. QuestSoft FHA Webinar 1/20/
Please stand by. The presentation will begin at the top of the hour. Your phones have been muted. If you re using the speakers on your PC you don t need to call in. While you are waiting, you may download
Please stand by. The presentation will begin at the top of the hour.
Please stand by. The presentation will begin at the top of the hour. Your phones have been muted. If you re using the speakers on your PC you don t need to call in. While you are waiting, you may download
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE October 29, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Financial Bank RSSD# 48374 214 North Washington El Dorado, Arkansas 71730 Federal Reserve Bank of St. Louis P.O.
New Community Reinvestment Act regulation: What have been the effects?
New Community Reinvestment Act regulation: What have been the effects? Terri Johnsen and Forest Myers Terri Johnsen is a Managing Examiner in the Consumer Affairs Department. Forest Myers is an Economist
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD No. 645317 473 Broadway 12866 Federal Reserve Bank of New York 33 Liberty Street New York, NY 10045 NOTE: This document is an evaluation
HMDA Workshop Part IV: Fair Lending & HMDA
HMDA Workshop Part IV: Fair Lending & HMDA Sunday, Sept. 18, 2016, 4:45 pm Moderator: Richard H. Harvey, Jr., Chief Compliance Officer, Colonial Savings, F.A. Panelists: Melanie Brody, Partner, Mayer Brown
CRA PERFORMANCE EVALUATION
THE CRA PUBLIC FILE CHINO COMMERCIAL BANK CRA PERFORMANCE EVALUATION The Community Reinvestment Act regulation requires each financial institution to include in the public file a copy of the public section
A bank must first be designated as limited-purpose or wholesale before it can be evaluated under that standard
Definitions Limited Limited-Purpose Purpose A bank that offers only a narrow product line (such as credit card or motor vehicle loans) to a regional or broader market Wholesale Wholesale A l Ab bank kth
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT
PUBLIC DISCLOSURE March 31, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Bank & Trust RSSD# 2333298 820 Church Street Evanston, IL 60201 Federal Reserve Bank of Chicago 230 South LaSalle
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE Date of Evaluation: MARCH 09, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Name of Depository Institution: UNIVEST BANK AND TRUST Co. Institution s Identification Number: 354310
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE December 6, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Metamora State Bank RSSD #533227 120 East Main Street Metamora, Ohio 43540 Federal Reserve Bank of Cleveland P.O. Box
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 22, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD #2552099 1001 Gibson Bay Drive, Suite #101 Richmond, Kentucky 40475 Federal Reserve Bank of Cleveland P.O. Box 6387
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 1, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Empire State Bank RSSD No. 3277241 68 North Plank Road Newburgh, New York 12550 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY
Community Reinvestment Act Community Development Examiner Insights
Community Reinvestment Act Community Development Examiner Insights Outlook Live Webinar February 18, 2016 Maria Villanueva Senior Examiner Federal Reserve Bank of San Francisco Matthew Holt Associate Examiner
PUBLIC DISCLOSURE. November 30, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Solvay Bank RSSD No
PUBLIC DISCLOSURE November 30, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Solvay Bank RSSD No. 722816 1537 Milton Avenue Solvay, New York 13209 Federal Reserve Bank of New York 33 Liberty Street
PUBLIC DISCLOSURE. August 5, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Pacific Enterprise Bank RSSD #
PUBLIC DISCLOSURE August 5, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Pacific Enterprise Bank RSSD # 3490871 17748 Sky Park Circle, Suite 100 Irvine, California 92614 Federal Reserve Bank
Cheat sheet: Hopes and hang-ups on CRA reform
Cheat sheet: Hopes and hang-ups on CRA reform By Rachel Witkowski, Kate Berry Published November 25 2018, 10 00pm EST More in CRA WASHINGTON Bank regulators have not come out with a formal plan for updating
PUBLIC DISCLOSURE. May 9, 2005 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION COMMUNITY BANK & TRUST RSSD #
PUBLIC DISCLOSURE May 9, 2005 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION COMMUNITY BANK & TRUST RSSD # 957757 100 SOUTH WOOD STREET, P.O. BOX 400 NEOSHO, MISSOURI 64850-1819 Federal Reserve Bank
Preliminary Staff Report
DRAFT: COMMENTS INVITED Financial Crisis Inquiry Commission Preliminary Staff Report THE COMMUNITY REINVESTMENT ACT AND THE MORTGAGE CRISIS APRIL 7, 2010 This preliminary staff report is submitted to the
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE July 1, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Whitaker Bank, Incorporated RSSD# 1445943 2001 Pleasant Ridge Drive Lexington, Kentucky Federal Reserve Bank of Cleveland
PUBLIC DISCLOSURE. August 30, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION FARMERS STATE BANK RSSD#
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION FARMERS STATE BANK RSSD# 542854 P.O. BOX 458 PINE BLUFFS, WYOMING 82082 Federal Reserve Bank of Kansas City 925 Grand Boulevard Kansas
DEPARTMENT OF THE TREASURY WASHINGTON, D.C. April 3, 2018
DEPARTMENT OF THE TREASURY WASHINGTON, D.C. April 3, 2018 MEMORANDUM FOR THE OFFICE OF THE COMPTROLLER OF THE CURRENCY, THE BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM, THE FEDERAL DEPOSIT INSURANCE
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 13, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Adirondack Trust Company RSSD No. 645317 473 Broadway Saratoga Springs, NY 12866 Federal Reserve Bank of New York 33 Liberty
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 04, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First National Bank of Omaha Charter Number 209 1620 Dodge Street Omaha, NE 68197 Office of the Comptroller of the Currency
Interagency Questions and Answers Regarding Community Reinvestment. Interagency Questions and Answers Regarding Community Reinvestment.
Outlook Live Webinar July 17, 2014 Interagency Questions and Answers Regarding Community Reinvestment Presented by the FRB, FDIC, and OCC Visit us at www.consumercomplianceoutlook.org Interagency Questions
NMLS Mortgage Call Report Training and Regulatory Updates for
NMLS Mortgage Call Report Training and Regulatory Updates for 2014-2016 Please stand by, the presentation will begin shortly. Your phones have been muted. If you re using the speakers on your PC you don
NMLS Mortgage Call Report (NMLS MCR) Training and Regulatory Updates for
NMLS Mortgage Call Report Training and Regulatory Updates for 2014-2016 Please stand by, the presentation will begin shortly. Your phones have been muted. If you re using the speakers on your PC you don