# 12 C.F.R. § 345.15 (2026): Impact and responsiveness review of community development loans, community development investments, and community development services

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T12_P345_S345_15

## Section

- **Citation:** 12 C.F.R. § 345.15 (2026)
- **Heading:** Impact and responsiveness review of community development loans, community development investments, and community development services
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 12 CFR: Banks and Banking / Chapter III: FEDERAL DEPOSIT INSURANCE CORPORATION / Part 345: COMMUNITY REINVESTMENT / Subpart A: General / § 345.15: § 345.15   Impact and responsiveness review of community development loans, community development investments, and community development services.

## Text

(a)
Impact and responsiveness review, in general.
Under the Community Development Financing Test in § 345.24, the Community Development Services Test in § 345.25, and the Community Development Financing Test for Limited Purpose Banks in § 345.26, the FDIC evaluates the extent to which a bank's community development loans, community development investments, and community development services are impactful and responsive in meeting community development needs in each facility-based assessment area and, as applicable, each State, multistate MSA, and the nationwide area. The FDIC evaluates the impact and responsiveness of a bank's community development loans, community development investments, or community development services based on paragraph (b) of this section, and may take into account performance context information pursuant to § 345.21(d).
(b)
Impact and responsiveness review factors.
Factors considered in evaluating the impact and responsiveness of a bank's community development loans, community development investments, and community development services include, but are not limited to, whether the community development loan, community development investment, or community development service:
(1) Benefits or serves one or more persistent poverty counties;
(2) Benefits or serves one or more census tracts with a poverty rate of 40 percent or higher;
(3) Benefits or serves one or more geographic areas with low levels of community development financing;
(4) Supports an MDI, WDI, LICU, or CDFI, excluding certificates of deposit with a term of less than one year;
(5) Benefits or serves low-income individuals, families, or households;
(6) Supports small businesses or small farms with gross annual revenues of $250,000 or less;
(7) Directly facilitates the acquisition, construction, development, preservation, or improvement of affordable housing in High Opportunity Areas;
(8) Benefits or serves residents of Native Land Areas;
(9) Is a grant or donation;
year;
(5) Benefits or serves low-income individuals, families, or households;
(6) Supports small businesses or small farms with gross annual revenues of $250,000 or less;
(7) Directly facilitates the acquisition, construction, development, preservation, or improvement of affordable housing in High Opportunity Areas;
(8) Benefits or serves residents of Native Land Areas;
(9) Is a grant or donation;
(10) Is an investment in projects financed with LIHTCs or NMTCs;
(11) Reflects bank leadership through multi-faceted or instrumental support; or
(12) Is a new community development financing product or service that addresses community development needs for low- or moderate-income individuals, families, or households.

## Nearby sections

- [12 C.F.R. § 345.11 (2026) § 345.11   Authority, purposes, and scope.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P345_S345_11.md)
- [12 C.F.R. § 345.12 (2026) § 345.12   Definitions.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P345_S345_12.md)
- [12 C.F.R. § 345.13 (2026) § 345.13   Consideration of community development loans, community development investments, and community development services.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P345_S345_13.md)
- [12 C.F.R. § 345.14 (2026) § 345.14   Community development illustrative list; Confirmation of eligibility.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P345_S345_14.md)
- [12 C.F.R. § 345.15 (2026) § 345.15   Impact and responsiveness review of community development loans, community development investments, and community development services.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P345_S345_15.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T12_P345_S345_15. Check the current official text before relying on it. Not legal advice.