CRA Illustrative List Of Qualifying Activities
CRA Illustrative List of Qualifying ActivitiesThis list is a non-exhaustive, illustrative list of examples of activities that would qualify under 12 CFR25.04. The list is intended to identify activities that would meet the criteria in the rule. The OCC is notendorsing any financial institution, fund, organization, program, non-profit, or any other entity. By listingactivities that would qualify under section 25.04, the OCC is not making any determination as to whetherthe activities listed are safe and sound activities, in general, or for any particular financial institution.Moreover, the OCC is not making any determination as to whether the activities listed are/are not legallypermissible, in general, or for any particular financial institution. The OCC will add additional activitiesthat meet the qualifying activities criteria consistent with the process outlined in 12 CFR 25.05. Pleaseread the regulations in their entirety for defined terms used in this list and for additional information.12 CFR part 25.Qualifying Activities DescriptionCriteria andIllustrative ListTopic Category§ 25.04(b)(1)(i)Topic AA-1A-2A-3A-4A-5A-6A-7A-8A-9A-10A-11A-12A-13Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it isProvided to a:Low- or moderate-income individual or familyLoan classified on the bank’s Call Report as a 1-4 family residentialconstruction loan to a low- or moderate-income (LMI) individual.Closed-end loan or open-end line of credit classified on the bank’sCall Report as a loan secured by a 1-4 family residential property toan LMI individual.Loan classified on the bank’s Call Report as secured by amultifamily residential property to an LMI individual.Home mortgage loan guaranteed by the Federal HousingAdministration to an LMI individual.Home mortgage loan guaranteed under the U.S. Department ofHousing and Urban Development’s (HUD) Indian Home LoanGuarantee Program (Section 184) to an LMI individual.Home mortgage loan guaranteed by the U.S. Department ofAgriculture’s (USDA) Rural Housing Service to an LMI individual.Home mortgage guaranteed by the U.S. Department of VeteransAffairs (VA) to an LMI individual.Low-cost education loan to an LMI individual, such as to fundschool tuition and/or expenses.Home equity line of credit to an LMI individual, such as for homeimprovement.Non-credit card revolving credit line, such as for purchase of homeappliances, to an LMI individual.Consumer loan to an LMI individual for purposes other thanpurchasing an automobile, such as to fund unexpected medicalexpenses.Automobile loan to an LMI individual to purchase a car.Installment loan to an LMI individual to purchase home appliances.1
Qualifying Activities DescriptionCriteria andIllustrative ListTopic Category§ 25.04(b)(1)(i)Topic AA-14A-15§ 25.04(b)(1)(ii)Topic BB-1B-2B-3B-4B-5B-6B-7§ 25.04(b)(1)(iii)Topic CC-1C-2Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it isProvided to a:Low- or moderate-income individual or familyUnsecured consumer loan to a moderate-income individual forhousehold assistive technology products and vehicle modificationsto improve accessibility.Small dollar consumer loan to a low-income individual made undera bank’s affordable small dollar loan program.Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it is:Provided to a:CRA-eligible businessSmall loan to a business (including a line of credit) that is a CRAeligible business when the loan is classified on the bank’s CallReport as a commercial and industrial loan.Small loan to a business (including a line of credit) that is a CRAeligible business when the loan is classified on the bank’s CallReport as a loan secured by nonfarm nonresidential properties.Small loan to a business that is a CRA-eligible business under theU.S. Small Business Administration (SBA) 504 CertifiedDevelopment Company program.Small loan to a business that is a CRA-eligible business to makeimprovements to its manufacturing facility under the SBA 7(a) loanprogram.Small loan to a business that is a CRA-eligible business to financethe purchase of machinery under the USDA’s Rural DevelopmentBusiness and Industry Guarantee Loan Program.Small loan to a business that is a CRA-eligible business to improveaccessibility of its facilities for disabled customers.Small loan to a business that is a CRA-eligible business under theSBA Paycheck Protection Program.Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it is:Provided to a:CRA-eligible farmSmall loan to a farm (including a line of credit) that is a CRAeligible farm when the loan is classified on the bank’s Call Reportas a loan to finance agricultural production and other loans tofarmers.Small loan to a farm that is a CRA-eligible farm to finance thepurchase of farm equipment.2
§ 25.04(b)(2)Topic 15D-16Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it is:Located in Indian country or other tribal and native landsLoan or line of credit made in Indian country or other tribal andnative lands and classified on the bank’s Call Report as a 1-4 familyresidential construction loan.Closed-end loan or open-end line of credit made in Indian countryor other tribal and native lands and classified on the bank’s CallReport as a loan secured by a 1-4 family residential property.Loan made in Indian country or other tribal and native lands andclassified on the bank’s Call Report as secured by a multifamilyresidential property.Home mortgage loan made in Indian country or other tribal andnative lands and guaranteed by the Federal Housing Administration.Home mortgage loan made in Indian country or other tribal andnative lands and guaranteed under HUD’s Indian Home LoanGuarantee Program (Section 184).Home mortgage loan made in Indian country or other tribal andnative lands and guaranteed by the USDA’s Rural Housing Service.Home mortgage loan made in Indian country or other tribal andnative lands and guaranteed by the Veterans Administration.Home equity line of credit extended in Indian country or other tribaland native lands, such as for home improvement.Non-credit card revolving credit line, such as for purchase of homeappliances, to an individual located in Indian country or other tribaland native lands.Consumer loan made to an individual located in Indian country orother tribal and native lands for purposes other than purchasing anautomobile, such as to fund unexpected medical expenses.Automobile loan to an individual located in Indian country or othertribal and native lands to purchase a car.Small loan to a business (including a line of credit) in Indiancountry or other tribal and native lands when the loan is classifiedon the bank’s Call Report as a commercial and industrial loan.Small loan to business (including a line of credit) located in Indiancountry or other tribal and native lands when the loan is classifiedon the bank’s Call Report as a loan secured by nonfarmnonresidential properties.Small loan to a business (including a line of credit) located inIndian country or other tribal and native lands made under the SBACertified Development Company/504 Loan Program.Small loan to a business (including a line of credit) located inIndian country or other tribal and native lands to makeimprovements to its manufacturing facility under the SBA 7(a) loanprogram.Small loan to a business (including a line of credit) located inIndian country or other tribal and native lands to finance the3
§ 25.04(b)(2)Topic DD-17§ 25.04(b)(3)Topic EE-1E-2§ 25.04(b)(4)Topic FF-1F-2§ 25.04(c)(1)(i)(A)Topic GG-1G-2Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it is:Located in Indian country or other tribal and native landspurchase of machinery under the USDA’s Rural DevelopmentBusiness and Industry Guarantee Loan Program.Small loan to a farm (including a line of credit) located in Indiancountry or other tribal and native lands when the loan is classifiedon the bank’s Call Report as a loan to finance agriculturalproduction and other loans to farmers.Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it is:A small loan to a business located in a low- or moderateincome census tractSmall loan to a business to purchase inventory for its businesslocated in a moderate-income census tract.Small loan to a business to expand its manufacturing facilitylocated in a low-income census tract.Retail loans. A home mortgage loan, small loan to a business, smallloan to a farm, or consumer loan is a qualifying activity if it is:A small loan to a farm located in a low- or moderate-incomecensus tract.Small loan to a farm located in a low-income census tract topurchase farm equipment.Small loan to a farm located in a moderate-income census tract torefinance a construction loan used to expand dairy productionfacilities.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Affordable housing, which means:Rental housing:That is likely to be partially or primarily inhabited by lowor moderate-income individuals or families as demonstrated by medianrents that do not and are not projected at the time of the transaction toexceed 30 percent of 80 percent of the area median income*Note: Median rents that do not and are not projected at the time ofthe transaction to exceed 30 percent of 80 percent of the area medianincome are referred to in the examples as meeting the “median rentstandard.”Loan to a non-profit organization for the purpose of providingaffordable housing to LMI individuals where median rents will meetthe median rent standard.Loan to a for-profit business for the purpose of providing affordablehousing to LMI individuals where median rents will meet the median4
§ 25.04(c)(1)(i)(A)Topic GG-3G-4G-5G-6G-7G-8G-9G-10Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Affordable housing, which means:Rental housing:That is likely to be partially or primarily inhabited by lowor moderate-income individuals or families as demonstrated by medianrents that do not and are not projected at the time of the transaction toexceed 30 percent of 80 percent of the area median income*Note: Median rents that do not and are not projected at the time ofthe transaction to exceed 30 percent of 80 percent of the area medianincome are referred to in the examples as meeting the “median rentstandard.”rent standard.Loan to a for-profit developer for construction of multi-family mixedincome rental housing that partially benefits LMI individuals becausesome units will meet the median rent standard.Loan to a non-profit developer to build multi-family rental housingguaranteed under the USDA’s Section 538 Guaranteed Loan Programwhere median rents will meet the median rent standard.Loan to a for-profit developer to build multi-family rental housingguaranteed under the USDA’s Section 538 Guaranteed Loan Programwhere median rents will meet the median rent standard.Public welfare investment, under 12 CFR part 24, that will use taxcredits from the Federal Historic Tax Credit Program to finance theadaptive reuse and renovation of a hotel into rental units in a moderateincome area, and many of the units will meet the median rent standard.Loan for a mixed-use property in an underserved area that will be usedto help seasonal businesses provide affordable housing to seasonal LMIworkers at rents that meet the median rent standard.Loan to a for-profit developer for construction of multi-family mixedincome rental housing, where many of the units will meet the medianrent standard.Public welfare investment, under 12 CFR part 24, that will finance thecompany’s production of cost-effective modular housing, which will beused to supply affordable housing units where rents will meet themedian rent standard.Investment that supports the abatement of, or remediation to correct,lead-based paint, asbestos, mold, or radon that are present in a multifamily rental housing project where rents meet the median rentstandard.5
§ 25.04(c)(1)(i)(B)Topic HH-1H-2H-3§ 25.04(c)(1)(i)(C)Topic II-1I-2I-3I-4I-5I-6Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Affordable housing, which means:Rental housing:That is partially or primarily inhabited by low- ormoderate-income individuals or families as demonstrated by anaffordable housing set-aside required by a federal, state, local, ortribal governmentInvestment in a project with housing units made affordable to LMIindividuals through local inclusionary zoning.Loan to purchase a multifamily dwelling that will partially benefit LMIindividuals, including renters who receive assistance under HUD’ssection 8 rental subsidy program.Public welfare investment, under 12 CFR part 24, that providesfinancing for the construction of a rent-to-own affordable housingcomplex targeted to LMI individuals and families.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Affordable housing, which means:Rental housing:That is undertaken in conjunction with an explicit federal,state, local, or tribal government affordable housing program for lowor moderate-income individuals or familiesInvestment in a limited partnership to develop and operate a FederalLow-Income Housing Tax Credit (LIHTC) multi-family housingproject.Public welfare investment, under 12 CFR part 24, to finance theconversion and rehabilitation of public housing using HUD’s RentalAssistance Demonstration Program that uses a section 8 project-basedcontract to make the units affordable to LMI individuals and families.Loan to a nursing home and assisted living facility that uses HUD’sSection 232 loan guarantee and is defined by HUD as multifamilyhousing that primarily serves or assists LMI individuals or families.Investment in a “green” retrofit initiative as part of an explicit localgovernment program used to maintain the affordability of rentalhousing for LMI individuals through energy efficient measures.Loan to facilitate the purchase of existing multifamily housing using aguarantee provided under the HUD Section 207/223(f) program tomake the units affordable to LMI individuals and families.Loan to facilitate the substantial rehabilitation of multifamily rentalhousing for moderate-income families, elderly and the handicappedusing a guarantee provided under the HUD Section 221(d)(4) mortgageinsurance program to make the units affordable to LMI individuals andfamilies.6
§ 25.04(c)(1)(i)(C)Topic II-7I-8I-9I-10§ 25.04(c)(1)(ii)Topic JJ-1J-2J-3§ 25.04(c)(2)Topic KK-1Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Affordable housing, which means:Rental housing:That is undertaken in conjunction with an explicit federal,state, local, or tribal government affordable housing program for lowor moderate-income individuals or familiesLoan to a Native American tribe to purchase land and constructinfrastructure and affordable rental housing, as identified in the tribe’sIndian Housing Plan, using a guarantee provided under the HUDTitle VI Tribal Housing Activities Loan Guarantee Program to makethe units affordable to LMI individuals and families.Loan to a non-profit sponsor to rehabilitate multifamily rental housingfor elderly persons (62 or older) and/or persons with disabilities using aguarantee provided under the HUD Program Section 231 to make theunits affordable to LMI individuals.Investment for Federal Historic Tax Credits to finance the adaptivereuse and renovation of a historic property that also receives financingusing Federal Low-Income Housing Tax Credits.Loan for the construction of a government-supported accessible rentalhousing facility for LMI disabled persons.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Affordable housing, which means:Owner-occupied housing purchased, refinanced, or improvedby or on behalf of low- or moderate-income individuals or families,except for home mortgage loans provided directly to individuals orfamiliesInvestment in a mortgage-backed security that is primarily secured byloans to LMI borrowers.Bank employees help to build a single-family home for a non-profitorganization with an express purpose of providing affordable housingfor purchase by LMI individuals or families.Down payment and closing cost assistance grants on home purchaseloans for LMI borrowers.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Another bank’s community development loan,community development investment, or communitydevelopment serviceBank employees volunteer to provide technical assistance to another7
§ 25.04(c)(2)Topic K§ 25.04(c)(3)Topic ity development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Another bank’s community development loan,community development investment, or communitydevelopment servicebank to establish a loan program targeted to LMI individuals andfamilies.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Community support services which means activities, suchas child care, education, workforce development and job trainingprograms, health services, and housing services, that partially orprimarily serve or assist low- or moderate-income individuals orfamiliesPublic welfare investment, under 12 CFR part 24, in a fund thatprovides financing for a charter school that will partially or primarilyserve LMI children.Donation to a non-profit organization that provides transportation tomedical treatments for LMI individuals.Grant to a non-profit organization that provides housing assistance andcounseling to LMI immigrants residing in the United States.Providing mentoring/tutoring services to clients of a non-profitorganization that serves LMI youth.Public welfare investment, under 12 CFR part 24, that supports a nonprofit that provides general education degrees partially or primarily toLMI individuals without a high school diploma.Loan to a non-profit training center that provides workforcedevelopment and job training programs, which primarily serveunemployed, LMI individuals.Volunteer service to serve meals at a homeless shelter.In-kind donation to a food pantry that provides services to unemployed,LMI families.Loan to acquire a child care facility that serves LMI residents of a lowincome neighborhood.Volunteer service with a non-profit that provides income tax assistanceprograms for LMI individuals.Grant to a non-profit organization that runs a state-funded batteredwomen’s shelter for LMI individuals in an underserved area as part of astatewide program.Loan, investment, or service that supports an LMI-focused alcohol anddrug recovery center.Grant to a drug rehabilitation center that primarily serves low-incomeindividuals.8
§ 25.04(c)(3)Topic LL-14L-15L-16L-17L-18L-19L-20L-21L-22L-23L-24§ 25.04(c)(4)(i)Topic MM-1Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Community support services which means activities, suchas child care, education, workforce development and job trainingprograms, health services, and housing services, that partially orprimarily serve or assist low- or moderate-income individuals orfamiliesLoan to a legal assistance program for LMI individuals.Grant to an organization that provides resume writing services to LMIformerly incarcerated individuals.Loan to a non-profit organization providing affordable child careservices to LMI individuals or families.Grant to support a program that provides eyeglasses to low-incomeindividuals.In-kind contribution of rent-free office space to a local food bank.Provision of technical assistance on financial matters to a non-profitorganization that will apply for loans or grants under the Federal HomeLoan Banks’ (FHLBanks) Affordable Housing Program, specificallyby serving on a loan review committee, assisting in marketing financialservices, and furnishing financial services training for staff andmanagement.Grant to a nonprofit community program which assists LMI individualsto find and enroll in free or low-cost home broadband internet servicesfor which they are eligible.Grant in support of a nonprofit program which refurbishes usedcomputers in order to provide them to LMI individuals at no cost or ata very low cost.Donations to a workforce development program designed to improveemployment opportunities for LMI individuals with disabilities.Bank loan to a skilled nursing facility that primarily serves low-incomepersons receiving Medicaid.Donation to a school that partially or primarily serves LMI students topurchase technology that enables it to conduct on-line classes forstudents affected by government mandated stay-at-home orders duringa national health emergency.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Economic development, which means activities thatprovide financing for or support businesses or farms including:Activities that promote job creation or job retention partiallyor primarily for low- or moderate-income individualsLoan to a business to expand its facility and add new employees,including those who will earn wages of between 70 and 80 percent ofarea median family income.9
§ 25.04(c)(4)(i)Topic MM-2§ 25.04(c)(4)(ii)Topic NN-1N-2N-3N-4N-5§ 25.04(c)(4)(iii)Topic OO-1O-2Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Economic development, which means activities thatprovide financing for or support businesses or farms including:Activities that promote job creation or job retention partiallyor primarily for low- or moderate-income individualsInvestment in a metal fabrication facility using New Markets TaxCredits that will allow the facility to expand and hire new employees,including those who will earn 80 percent of area median income.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Economic development, which means activities thatprovide financing for or support businesses or farms including:Federal, state, local, or tribal government programs, projects,or initiatives that partially or primarily serve small businesses or smallfarms as those terms are defined in the programs, projects, or initiativesVolunteer service providing technical assistance to small businesses onhow to create business plans under a state program to support statewidebusiness development.Micro-loan for working capital to a small business that is a statecertified Historically Underutilized Business.Grant to a non-profit that provides financing for small farms under afederal program to encourage new farm development.Loan to a small business incubator that primarily benefits smallbusinesses by providing supportive services to business start-ups andthat is funded in part under a statewide community developmentinitiative.Loan to a small business under a tribal government loan guaranteeprogram.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Economic development, which means activities thatprovide financing for or support businesses or farms including:Retaining existing, or attracting new, businesses, farms, orresidents to low- or moderate-income census tracts, underserved areas,distressed areas, designated disaster areas consistent with a disasterrecovery plan, or Indian country or other tribal and native landsLoan to a business to replace equipment and restore its facilities,thereby retaining employees in a designated disaster area consistentwith a disaster recovery plan.Donation to an emergency/drought relief fund formed by a community10
§ 25.04(c)(4)(iii)Topic OO-3§ 25.04(c)(4)(iv)Topic PP-1P-2P-3P-4P-5P-6P-7P-8Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Economic development, which means activities thatprovide financing for or support businesses or farms including:Retaining existing, or attracting new, businesses, farms, orresidents to low- or moderate-income census tracts, underserved areas,distressed areas, designated disaster areas consistent with a disasterrecovery plan, or Indian country or other tribal and native landsfoundation that provides grants to farms that are located in a distressedarea to help sustain the farms.A loan to a business to finance the development of workforce housinglocated in an underserved area that is within close proximity to awarehouse owned by a multinational conglomerate.Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Economic development, which means activities thatprovide financing for or support businesses or farms including:A Small Business Administration Certified DevelopmentCompany, as that term is defined in 13 CFR 120.10, a Small BusinessInvestment Company, as described 13 CFR part 107, a New MarketsVenture Capital company, as described in 13 CFR part 108, a qualifiedCommunity Development Entity, as defined in 26 CFR 45D(c), or aU.S. Department of Agriculture Rural Business InvestmentCompany, as defined in 7 CFR 4290.50Investment in a New Markets Venture Capital company that financesbusinesses that meet the SBA’s size standards used to define smallbusiness concerns.Public welfare investment, under 12 CFR part 24, to a qualifiedCommunity Development Entity that will provide financing for a foodmarket to build a refrigerated warehouse and food distribution facility.Investment in an SBA-certified Small Business Investment Company(SBIC) to finance businesses that meet the SBIC size standards.Investment in a USDA Rural Business Investment Company (RBIC) tofund businesses and farms that meet the RBIC size standards.Investment in a New Markets Tax Credit-eligible CommunityDevelopment Entity to fund a mixed-use project that will includeaffordable housing for LMI individuals and families and retail spacefor CRA-eligible businesses.Investment eligible for Federal Historic Tax Credits to finance theadaptive reuse and renovation of a historic property that also receivesNew Markets Tax Credits.Investment in a fund that purchases the debentures, guaranteed by theSBA, that are offered by the SBA-certified development companies.Loan to a Community Development Financial Institution (CDFI) Fund11
§ 25.04(c)(4)(iv)Topic P§ 25.04(c)(4)(v)Topic QQ-1Q-2Q-3Q-4Q-5§ 25.04(c)(5)(i)Topic RR-1Community development loans, community development investments,and community development services. A community developmentloan, community development investment, or community developmentservice is a qualifying activity if it provides financing for or supports:Economic development, which means activities thatprovide financing for or support businesses or farms including:A Small
B-2 Small loan to a business (including a line of credit) that is a CRA- eligible business when the loan is classified on the bank’s Call Report as a loan secured by nonfarm nonresidential properties. B-3 Small loan to a business that is a CRA-eligible business
Notably, single family sale prices in the CRA Target Market Area were generally 50 percent below the County prior to the housing crisis, but during the past three to five years the CRA's homes have tracked closer to 65 percent lower than the County. For the CRA Target Market Area thrental market, he NW 79t Street CRA also has a larger share of
CRA STRATEGIC PLAN 2018 – 2020 1 . 2 SECTION 1 INTRODUCTION A. General Information B. The ank’s Specialized Business Model C. Financial Information SECTION 2 COMMUNITY REINVESTMENT ACT A. CRA Requirements B. Strategic Plan - Overall Focus, Effective Date and Term C. The ank’s Commitment to CRA
US 1/Historic Westside Community Redevelopment Agency (CRA) Specific and Amended Projects’ udget Summary Page 3 of 3 FY 2020/2021 RA Projects’ udget Total 2, 150,742 CRA 2020/2021 Budget Funding Source CRA Approved Budget for FY 20/21 945,324 Estimated CRA Fund Balance for FY 19/20 1,205,418 2,150, 742
2020 CRA File Specifications 3 December 2020 . File Specifications for Reporting 2020 CRA Data. Introduction. The following information describes the formats used when sending automated CRA data to the Board of Governors of the Federal Reserve System. These formats should only be used to
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courts in their efforts to ensure equal justice and due process for all those who come before them. In December 2015, the Department convened a diverse group of stakeholders—judges, court administrators, lawmakers, prosecutors, defense attorneys, advocates, and impacted individuals—to discuss the assessment and enforcement of fines and fees in state and local courts. While the convening .
