Ordinarily, consumer loans are not evaluated in CRA PE's unless the data constitutes a major product line and its omission would materially distort the bank's record or you want to voluntarily submit your consumer loans for CRA examination purposes (this would require your edit checking and scrubbing the data to assure its integrity). So, your question would be a non-issue in most situations. Have examiners mandated the inclusion of consumer loans in previous exams or have you voluntarily submitted consumer loans for CRA evaluation purposes?
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