At your direction, we can complete a Community Reinvestment Act Review utilizing current joint agency examination procedures for small bank, intermediate small bank or large bank criteria. Depending on the size of your institution, this review may include a review of your assessment areas for reasonableness, data verification, a sampling of loans to assess your bank’s performance with lending test and community development test standards, and a review of your bank’s response to consumer complaints, if applicable. The review will also include an evaluation of your CRA policy, notices, and public files. Based on the findings of the review, we will make recommendations to strengthen or improve your compliance position if deficiencies are noted.