2020 CRA FILE SPECIFICATIONS - FFIEC Home Page
2020 CRA FILE SPECIFICATIONSBoard of Governors of the Federal Reserve System (FRS)Federal Deposit Insurance Corporation (FDIC)Office of the Comptroller of the Currency (OCC)
Respondent Identification Numbers for 2020 CRA FilesAgencyFDICFRSOCCDepository InstitutionFDIC Certificate NumberRSSD NumberCharter NumberAgency Code321Reporting Updates for 2020 CRA FilesHOME EQUITY LOANS REMOVED FROM OPTIONAL LOAN TYPESEffective January 1st, 2018, the agencies amended their CRA regulations to revise the definitions of"home mortgage loan" and "consumer loan." (See the November 24, 2017 Federal Register notice 4/pdf/2017-25396.pdf.) With this change, thedefinition of consumer loans no longer includes home equity loans. The optional loan types have beenupdated to reflect this change. Please note, the numbering scheme for the remaining optional loantypes remain unchanged. The list below reflects the remaining loan types, and their associatednumerical values.03 Other Lines/Loans for Purposes of Small Business05 Motor Vehicle06 Credit Card07 Other Secured Consumer Loans08 Other Unsecured Consumer Loans09 Other Loan Data Listed2020 CRA File Specifications2December 2020
File Specifications for Reporting 2020 CRA DataIntroductionThe following information describes the formats used when sending automated CRA data to the Board of Governors of theFederal Reserve System. These formats should only be used to send data to the Board if you are a FDIC, FRS or OCCreporter.General Information Regarding CRA Data Reporting FilesAll records in the CRA file are 314 characters in length.The following records must be contained in the CRA file:Transmittal Sheet record has 17 elements comprising 273 characters and filler comprising 41 characters of blanks.Community Development record has 16 elements comprising 100 characters and filler comprising 214 characters ofblanks.Assessment Area record(s) has 11 elements comprising 39 characters and filler comprising 275 characters of blanks.The following records should be included in the CRA file if they are applicable:Composite Small Business record(s) has 32 elements comprising 201 characters and filler comprising 113 charactersof blanks.Composite Small Farm record(s) has 32 elements comprising 201 characters and filler comprising 113 characters ofblanks.The following record can be optionally included in the CRA file:Consortium/Third Party record has 10 elements comprising 58 characters and filler comprising 256 characters ofblanks.2020 CRA File Specifications3December 2020
PC Diskette and CD-ROM Format CharacteristicsCRA data submitted via diskette must adhere to the following specifications:1.The diskette or CD-ROM must be formatted for IBM compatible personal computers. The following diskette andCD-ROM formats will be accepted: 2.The CRA data should be contained in a file named: cRID Agency Year.dat or cRID Agency Year.enc 3.3-1/2 high density, 1.44M formatted capacityCD-R or equivalent recordable compact disThe file must be the only file on the diskette or CD-ROM.The PC Diskette or CD-ROM file may contain six types of records per respondent: 3 Transmittal Sheet4 Composite Small Business5 Composite Small Farm6 Community Development7 Consortium/Third Party (Optional)8 Assessment AreaIT IS REQUIRED THAT RECORD IDENTIFIERS 3, 6, AND 8 BE INCLUDED IN ANY CRA DATASUBMISSION. Small business and small farm records should be included if applicable. Consortium/third partyrecords are optional. (Micro data records should NOT be included.)4.The CRA data file must be in ASCII format, containing carriage return/line feed (0D0A in HEX or ASCII char (13)and char (10)) characters at the end of each record. There should not be an end-of-file mark, return or null values(00 in HEX or ASCII char (0)) contained in the file.5.The record format is fixed; the fields contained in the record should not be delimited. In addition, the record shouldnot be enclosed in double quotes (").6.Numeric fields on CRA records must be right justified and zero filled. If you are using a product that drops theleading zeros on numeric fields, the data will not pass validity edits.7.The PC diskette or CD-ROM should be labeled with information containing the institution’s name, respondent ID,agency code, processing year, contact name and phone number, number of records (excluding the transmittal sheet),and any other pertinent information.8.All diskettes and CD-ROMs submitted should be virus-free.9.No zip file(s) will be accepted.10. There should not be any null values (00 in HEX or ASCII char (0)) contained in the file.2020 CRA File Specifications4December 2020
Submission via Web, Internet E-mail and File Encryption InstructionsThe following information describes the procedures for a successful CRA submission via Web or Internet E-mail. Alsoincluded are the procedures for encrypting your CRA submission if the file is generated outside of the FFIEC CRA DataEntry Software.Submission via WebThe Submission via Web is a secure and efficient option for transmitting your CRA data to your regulatory agency.Submission via Web transmits your data to your regulatory agency in ONE step, rather than encrypting your submission file,attaching the encrypted file to an e-mail and submitting the e-mail via Internet. Submission via Web requires an Internetconnection.1.Download a free copy of the CRA Data Entry Software at http://www.ffiec.gov/cra/softinfo.htm.2.After successful installation of the software, open the software. Initial access into the software will require avalidity-free Transmittal Sheet to be completed in its entirety, or the successful import of an existing .DAT file thatcontains your CRA micro data.3.Following the completion of the submission, perform a Batch Edit prior to submitting the data. If errors aredetected, print an Error Report to identify the loan/application records in error and correct the erroneous data. CRAdata containing errors cannot be submitted using Submission via Web.4.Once the submission is error free, select Export from the Front Page. A message will appear titled “Did YouKnow?”. Select Continue with Export.5.Select Submission via Web and click OK. A message box will appear titled Submission via Web. SelectContinue.6.Select the Begin button to start the submission process. Once the export process is completed successfully, amessage box will appear titled “Transmission Successful”. Print or save the information contained in the messagebox for submission confirmation. This is your only confirmation of your submission.Internet E-mail1-4. Follow steps 1-4 under Submission via Web.5.Access your Internet e-mail and prepare a message to CRASUB@FRB.GOV for data submission.6.For export options, choose the option, “To Regulatory Agency via Internet E-mail” and click “OK”.7.Attach the encrypted CRA submission file to the e-mail message. The file location and name is C:\CRA Data EntrySoftware CCYY\CRASubmission\cRID Agency year.enc.ONLY attach and e-mail the file name noted above with the “.enc” extension. An electronic Internet submission filethat is not prepared using this software WILL NOT be accepted as compliant. You will be required to resubmit yourdata if an invalid, noncompliant submission format is used for electronic submission.8.Type the following text in the subject line of the e-mail: 2020 CRA File Specifications2020 CRARespondent ID (RID)Agency CodeInitial Submission or Complete Resubmission5December 2020
9.Type the following text in the body of the e-mail: RIDAgency CodeInstitution NameContact NameContact Phone10. Once the above steps are completed, send the e-mail message with the attached encrypted file toCRASUB@FRB.GOV.11. Upon receipt of your submission, you will received an automatic response via email. If you do not receive a replywithin 48 hours, please resend the file. This automatic response ONLY confirms that we successfully received youre-mail message; it DOES NOT confirm that a compliant encrypted file (cRID Agency year.enc) was attached. Toensure that your submission is marked as on time, promptly respond to all correspondence regarding CRAprocessing.12. The following information highlights the action that is required to be taken on your CRA data submission. If acompliant file was successfully received and processed, expect the following:a.Your institution’s CRA data file will be processed and an Institution Register Summary (IRS) will be sent via email. Once the Edit Report and IRS is received by your institution, the following actions are required:i.Review entire document and follow the instructions in the letter.ii.Verify the Edit Report for data accuracy.iii.Verify the IRS. Sign and send the IRS via e-mail or fax.iv.Your institution’s CRA submission is NOT COMPLETE until the signed IRS are receivedsuccessfully.v.If data are reported incorrectly, correct your institution’s CRA file and submit a completeresubmission.13. If your institution DOES NOT RECEIVE an Edit Report and IRS via e-mail within 7 – 10 business days followingyour submission, e-mail CRAHELP@FRB.GOV (CRASUB@FRB.GOV is for data submissions only.) In thesubject heading of the e-mail type “Outstanding Edit Report & IRS” and your institution’s CRA RID, Agency Code.Type in the body of the text the following information: Respondent ID Agency Code Institution Name Contact Name and Phone and/or E-mail2020 CRA File Specifications6December 2020
File EncryptionInstitutions utilizing third-party vendor software for CRA reporting should still take advantage of the Internet E-mail option. After successful installation of the Data Entry Software from the FFIEC CRA website athttp://www.ffice.gov/cra/sofinfo.htm, you must install the FFIEC CRA Data Entry Software that contains the standalone encryption utility. From the Start menu, select Click on “Start”, “Programs”, “CRA Data Entry Software”, “Encryption Utility”. Awarning message will appear to inform you that this software does not connect to the Internet. Click “OK” tocontinue. Next you will need to locate your CRA data file for encryption. If you are using a software package other than theFFIEC Data Entry Software, your data file may be named something other than cRid Agency Year.dat. Pleaserefer to your vendor documentation to determine the name and file location of your CRA data file. Click the “Begin Process” button to start the encryption process. Once the process is completed, a new file namedcRID AGENCY YEARx.ENC will be created. A message box, titled “Encryption Complete” will appear.PRINT this message. The message contains further instructions as well as the email address for your submission.“Close” the box. You have successfully created the cRID AGENCY YEARx.ENC file for Internet submission. Address the e-mail for submission to crasub@frb.gov and attach the encrypted file to the message before sending thee-mail. Please include all contact information mentioned in the e-mail instructions on the previous page. Follow steps 5 thru 10 under Internet E-mail to complete the submission process.2020 CRA File Specifications7December 2020
Transmittal SheetThe Start, End, and Length columns are in BYTES. The Data Type is alphanumeric "AN" or numeric "N". Numeric "N"fields are unpacked, unsigned, and right-justified.Element LabelStartEndLength01. Record ID11102. Respondent-ID2111003. Agency Code121204. Timestamp1305. FillerData TypeComments, Values, Keys, etc.NValue is 3ANAssigned by regulatory agency. Should be rightjustified with leading zeros.1NValues are 1 OCC, 2 FRS, or 3 FDIC2412NFormat is century, year, month, day, hour,minute (e.g., Jan. 17, 2020, at 1:30 pm would be202001171330)25251NBlank06. Activity Year26294NFour-digit year (e.g., 2020)07. Respondent Name305930ANLeft-justified08. Respondent Address609940ANLeft-justified09. Respondent City10012425ANLeft-justified10. Respondent State1251262ANPostal Code abbreviation11. Respondent ZipCode12713610ANFormat is 99999 left-justified or 99999-999912. Contact Person’sName13716630ANFor report questions left-justified13. Contact Person’sPhone Number16717812ANFormat is 999-999-999914. Contact Person’sFax Number17919012ANFormat is 999-999-999915. Contact Person’sE-mail Address19125666ANEnter only one e-mail address. E-mailaddress must contain only one @ symbol.Left-justified.16. Tax ID25726610ANFormat is 99-999999917. Total Records2672737NThe total number of Composite Small Businessand Small Farm, Community Development,Consortium/Third Party {if applicable}, andAssessment Area record(s); Right justified withleading zeros31441AN18. Filler2742020 CRA File SpecificationsBlank8December 2020
Composite Small BusinessThe Start, End, and Length columns are in BYTES. The Data Type is alphanumeric "AN" or numeric "N". Numeric "N"fields are unpacked, unsigned, and right-justified.Element LabelStartEndLength01. Record ID11102. Respondent-ID2111003. Agency Code121204. Activity Year131605. MSA/MD1706. State2207. CountyData TypeComments, Values, Keys, etc.NValue is 4ANAssigned by regulatory agency. Should beright-justified with leading zeros.1NValues are 1 OCC, 2 FRS, or 3 FDIC4NFour-digit year (e.g., 2020)5ANAs defined by OMB; right-justified or NAleft-justified for areas outside of an MSA/MD232NFIPS code with leading zeros24263NFIPS code with leading zeros08. Census Tract27337ANAs defined by the Bureau of Census; rightjustified with leading/trailing zeros and decimalpoint (e.g., 0010.00) or NA left-justified if thestreet address does not exist09. Number of Small BusinessLoans Originated with LoanAmount at Origination 100,00034396NZero if not applicable10. Total Loan Amountof Small Business LoansOriginated with LoanAmount at Origination 100,00040478NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100would be reported as 25} or zero if notapplicable11. Number of Small BusinessLoans Purchased withLoan Amount at Origination 100,00048536NZero if not applicable12. Total Loan Amt. of SmallBusiness Loans Purchasedwith Loan Amount atOrigination 100,00054618NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100would be reported as 25} or zero if notapplicable13. Number of Small BusinessLoans Originated with LoanAmount at Origination 100,000 and 250,00062676NZero if not applicable2020 CRA File Specifications219December 2020
Composite Small Business (Cont’d)Element LabelStartEndLengthData Type14. Total Loan Amt. of SmallBusiness Loans Originatedwith Loan Amount atOrigination 100,000and 250,00068758NRounded to the nearest thousand with leadingzeros and without commas {e.g., 125,100would be reported as 125} or zero if notapplicable15. Number of Small BusinessLoans Purchased withLoan Amount at Origination 100,000 and 250,00076816NZero if not applicable16. Total Loan Amt. of SmallBusiness Loans Purchasedwith Loan Amount atOrigination 100,000 and 250,00082898NRounded to the nearest thousand with leadingzeros and without commas {e.g., 125,100would be reported as 125} or zero if notapplicable17. Number of Small BusinessLoans Originated with LoanAmount at Origination 250,00090956NZero if not applicable18. Total Loan Amt. of SmallBusiness Loans Originatedwith Loan Amount atOrigination 250,000961038NRounded to the nearest thousand with leadingzeros and without commas {e.g., 325,100would be reported as 325} or zero if notapplicable19. Number of Small Business 104Loans Purchased withLoan Amount at Origination 250,0001096NZero if not applicable20. Total Loan Amt. of SmallBusiness Loans Purchasedwith Loan Amount atOrigination 250,0001101178NRounded to the nearest thousand with leadingzeros and without commas {e.g., 325,100would be reported as 325} or zero if notapplicable21. Number of loans to SmallBusinesses with GrossAnnual Revenues 1 million1181236NZero if not applicable22. Total Loan Amount ofloans to Small Businesseswith Gross AnnualRevenues 1 million1241318NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100 wouldbe reported as 25} or zero if not applicable2020 CRA File Specifications10Comments, Values, Keys, etc.December 2020
Composite Small Business (Cont’d)Element LabelStartEndLengthData Type23. Number of Small BusinessLoans Reported as AffiliateLoans1321376NZero if not applicable24. Total Loan Amount ofSmall Business LoansReported as AffiliateLoans1381458NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100 wouldbe reported as 25} or zero if not applicable25. Number of loans Originated to Small Businesseswith Gross AnnualRevenues 1 million1461516NZero if not applicable26.Total Loan Amount ofloans Originated to SmallBusinesses with GrossAnnual Revenues 1 million1521598NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100 wouldbe reported as 25} or zero if not applicable27. Number of Small BusinessLoans Purchased withGross Annual Revenues 1 million1601656NZero if not applicable28. Total Loan Amount ofSmall Business LoansPurchased with GrossAnnual Revenues 1 million1661738NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100 wouldbe reported as 25} or zero if not applicable29. Number of Small BusinessLoans Originated ReportedAs Affiliate Loans1741796NZero if not applicable30. Total Loan Amount ofSmall Business LoansOriginated Reported asAffiliate Loans1801878NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100would be reported as 25} or zero if notapplicable31. Number of Small BusinessLoans Purchased Reportedas Affiliate Loans1881936NZero if not applicable2020 CRA File Specifications11Comments, Values, Keys, etc.December 2020
Composite Small Business (Cont’d)Element LabelStartEndLengthData Type32. Total Loan Amount ofSmall Business LoansPurchased Reported asAffiliate Loans1942018NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100would be reported as 25} or zero if notapplicable33. Filler202314113ANBlank2020 CRA File Specifications12Comments, Values, Keys, etc.December 2020
Composite Small FarmThe Start, End, and Length columns are in BYTES. The Data Type is alphanumeric "AN" or numeric "N". Numeric "N"fields are unpacked, unsigned, and right-justified.Element LabelStartEndLength01. Record ID11102. Respondent-ID2111003. Agency Code121204. Activity Year131605. MSA/MD1706. State2207. CountyData TypeComments, Values, Keys, etc.NValue is 5ANAssigned by regulatory agency. Should be rightjustified with leading zeros.1NValues are 1 OCC, 2 FRS, or 3 FDIC4NFour-digit year (e.g., 2020)5ANAs defined by OMB; right-justified or NAleft-justified for areas outside of an MSA/MD232NFIPS code with leading zeros24263NFIPS code with leading zeros08. Census Tract27337ANAs defined by the Bureau of Census; rightjustified with leading/trailing zeros and decimalpoint (e.g., 0010.00) or NA left-justified if thestreet address does not exist09. Number of Small FarmLoans Originated with LoanAmount at Origination 100,00034396NZero if not applicable10. Total Loan Amountof Small Farm LoansOriginated with LoanAmount at Origination 100,00040478NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100would be reported as 25} or zero if notapplicable11. Number of Small FarmLoans Purchased withLoan Amount at Origination 100,00048536NZero if not applicable12. Total Loan Amt. of SmallFarm Loans Purchasedwith Loan Amount atOrigination 100,00054618NRounded to the nearest thousand with leadingzeros and without commas {e.g., 25,100would be reported as 25} or zero if notapplicable13. Number of Small FarmLoans Originated with LoanAmount at Origination 100,000 and 250,00062676NZero if not applicable2020 CRA File Specifications2113December 2020
Composite Small Farm (Cont’d)Element LabelStartEndLengthData Type14. Total Loan Amt. of SmallFarm Loans
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
Describe any other steps taken to increase proactive disclosures at your agency. . website the ability to search for postings by the FFIEC that are open for public comment . requests in 2010 were submitted to the FFIEC via our dedicated FOIA email address through the FFIEC FOIA Website page. FOIA@ffiec.gov and
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
CRA CAtálogo Bibliotecas Escolares CRA 2019 CARR o DE CoMPRA CA tálogo BIB l I ot ECAS ESC ol ARES CRA 2 0 1 9 Unidad de Currículum y Evaluación Catálogo Centro de lectura y biblioteca escolar (CRA) Ministerio de Educación de Chile
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FFIEC 051 RI - INCOME STATEMENT. FFIEC 051 RI-2 RI - INCOME STATEMENT (12-20) General Instructions (cont.) or liability was first recognized on the balance sheet. Although the use of the contractual interest rate is an acceptable method under GAAP, when a financial asset or liability has a significant premium or
classroom is small-group work. Indeed, from early efforts at group-based, Davidson, N., Major, C. H., & Michaelsen, L. K. (2014). Small-group learning in higher education—cooperative, collaborative, problem-based, and team-based learning: An introduction by the guest editors. Journal on Excellence in College Teaching, 25(3&4), 1-6. 2 Journal on Excellence in College Teaching active learning .