Hi All-
We report consumer loan data for CRA consideration. Should a construction (or bridge) only loan to a consumer or individual (not a business entity) to construct, or finance the transition into, a 1-4 personal residence be included in my optional consumer loans reporting log for CRA purposes? I'm struggling with concluding whether these types of loans would be excluded from the definition of consumer loans as defined in 228.12(j).... I'm thinking yes, but I thought I'd put it out here for discussion. Thanks!!!