Most people think CRA reporting is like HMDA reporting, but it completely different. In HMDA you are reporting each and every loan application. In CRA you are reporting summary data on your small bus, small farm and CD loans. Even if you collect data on other types of loans, none of that is reported in your annual filing. However, that data along with the SB, SF and CD records are maintained on your desktop computer in the "micro-data" file.When the EIC asks you in the documentation request letter for your data one thing you submit is your CRA micro-data file. You can elect portfolio by portfolio to have the elective loans considered as part of your loans to be evaluated for CRA purposes.
CRA Exam Preparation, CRA Performance Evaluations, Key Performance Benchmarks, & maps