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This service will help assure the institution receives at least a "Satisfactory" rating from the federal regulators.

• Develop a CRA compliance management action plan containing implementation steps, accountabilities and time lines.  
• Develop a CRA Policy to be approved by the Board, which articulates the financial institution’s commitment to CRA compliance and reinvestment in its assessment area.  
• Perform an onsite CRA compliance review.  Based on the federal regulatory agencies’ CRA examination guidelines, this would, at a minimum:  
  • Determine the adequacy of the institution’s assessment area,  
  • Evaluate the distribution and volume of the institution’s lending activity,  
  • Evaluate the institution’s qualified investments,  
  • Determine the availability and effectiveness for delivering lending and deposit services, and  
  • Test the integrity of the institution’s Loan Application Register (LAR) as required by the Home Mortgage Disclosure Act (HMDA).  
• Assist in organizing the CRA compliance management function.