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CRA assessment areas changing

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How might national banks assessment areas be impacted by the new CRA rules?

The bank’s assessment area will be more influenced by deposits and require inclusion of areas where deposits are sourced from. The effect is that low- and moderate-income areas will likely benefit from an increase in services available based on the deposits and this will translate into more loans being generated in those areas.


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First published on 08/23/2020

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