Trailer

The new CRA 3 part series

Part 1: Introduction to the new CRA Rule (approximately 2 hrs)

· What banks will be affected the most

· Important concepts in the new CRA - "Major Product Line", different types of "conclusions", "operating subsidiary"

· Traps within the new rule (AA delineation new requirements, the impact of operating subsidiaries, the April 1, 2024, effective date for section _.16 and the "applicability" dates for bank sizes)

· The general "architecture" of the new CRA

· The new Assessment Areas in the new rule

· Overlooked aspects of the new rule

· Different bank size categories

· Breakdown of the Retail Lending Test major components

· What to do to prepare for the new CRA rule

· The Transition rules

Part 2: the Retail Lending Test - Everything you want to know but are afraid to ask (approximately 2 hrs)

· What is the new Retail Lending Test?

· What loans are counted and how are they measured?

· What is the "Retail Lending Volume Screen"?

· What qualifies as a "major product line" in what kind of Retail Lending Test area?

· What are the "distribution" tests?

· What are the new calibrated benchmarks and how are they calculated?

· "Supporting conclusions, "Recommended" conclusions, and "Assigned Conclusions" -what's the difference?

· Formulas, formulas, and formulas

· Scores "translated" to conclusions and conclusions translated back to scores.

Part 3: The Community Finance Test, the Community Services Test, The Retail Products and Services Test (approximately 2 hrs)

· What is evaluated in the Retail Services and Products Test?

· What are the benchmarks in the Retail Services and Products Test?

· What "other considerations" affect your Retail Products and Services Test score?

· What is measured in the Community Development Services Test?

· How are community development services aggregated to the institution level?

· What is the new Community Development Financing Test?

· What's different between the new Community Financing Development Test compared to the current community development metrics?

· What are the benchmarks for the new Community Development Financing Test?

· What are the formulas for the new Community Development Financing Test?