Section 1055.APPENDIX C ILCRA Illustrative List of Qualifying Activities for Covered Mortgage Licensees

TITLE 38: FINANCIAL INSTITUTIONS

CHAPTER II: DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION

PART 1055 MORTGAGE COMMUNITY REINVESTMENT

SECTION 1055.APPENDIX C ILCRA ILLUSTRATIVE LIST OF QUALIFYING ACTIVITIES FOR COVERED MORTGAGE LICENSEES

Section 1055.APPENDIX C   ILCRA Illustrative List of

Qualifying Activities for Covered Mortgage Licensees

This list is a non-exhaustive, illustrative list of examples

of activities, where applicable to covered mortgage licensees, that would meet

the criteria for a community development qualifying activity under 38 Ill. Adm.

Code Part 1055 provided the appropriate documentation supports the activity and

meets all requirements set forth in the ILCRA and its implementing rules.  The

Department is not endorsing any financial institution, fund, organization,

program, non-profit, or any other entity.  By listing activities that may

qualify under 38 Ill. Adm. Code Part 1055, the Department is not making any

determination as to whether the activities listed are safe and sound

activities, in general, or for any particular financial institution.  Moreover,

the Department is not making any determination as to whether the activities

listed are/are not legally permissible, in general, or for any particular

financial institution.  Please read 38 Ill. Adm. Code Part 1055 in its entirety

for defined terms used in this list and for additional information.

Illustrative List Topic

Category

Description

Topic A

Loans to a low- or

moderate-income individual or family.

A-1

Loan classified on the covered

mortgage licensee's Mortgage Call Report as a 1-4 family residential construction

loan to a low- or moderate-income (LMI) individual.

A-2

Closed-end loan or open-end line

of credit classified on the covered mortgage licensee's Mortgage Call Report

as a loan secured by a 1-4 family residential property to an LMI individual.

A-3

Loan classified on the covered

mortgage licensee's Mortgage Call Report  as secured by a multifamily

residential property to an LMI individual

ction

loan to a low- or moderate-income (LMI) individual.

A-2

Closed-end loan or open-end line

of credit classified on the covered mortgage licensee's Mortgage Call Report

as a loan secured by a 1-4 family residential property to an LMI individual.

A-3

Loan classified on the covered

mortgage licensee's Mortgage Call Report  as secured by a multifamily

residential property to an LMI individual.

A-4

Home mortgage loan guaranteed by

the Federal Housing Administration to an LMI individual.

A-5

Home mortgage loan guaranteed

under the U.S. Department of Housing and Urban Development's (HUD) Indian

Home Loan Guarantee Program (Section 184) to an LMI individual.

A-6

Home mortgage loan guaranteed by

the U.S. Department of Agriculture's (USDA) Rural Housing Service to an LMI

individual.

A-7

Home mortgage guaranteed by the

U.S. Department of Veterans Affairs (VA) to an LMI individual.

A-8

Low-cost education loan to an

LMI individual, such as to fund school tuition and/or expenses.

A-9

Home equity line of credit to an

LMI individual, such as for home improvement.

A-10

Non-credit card revolving credit

line, such as for purchase of home appliances, to an LMI individual.

A-11

Consumer loan to an LMI

individual for purposes other than purchasing an automobile, such as to fund

unexpected medical expenses.

A-12

Automobile loan to an LMI

individual to purchase a car.

A-13

Installment loan to an LMI

individual to purchase home appliances.

A-14

Unsecured consumer loan to a moderate-income

individual for household assistive technology products and vehicle

modifications to improve accessibility.

A-15

Small dollar consumer loan to a

low-income individual made under a covered mortgage licensee's affordable

small dollar loan program.

Topic B

Small business loans to

businesses.

B-1

Small business loan (including a

line of credit) when the loan is classified on the covered mortgage licensee's

Mortgage Call Report as a commercial and industrial loan

modifications to improve accessibility.

A-15

Small dollar consumer loan to a

low-income individual made under a covered mortgage licensee's affordable

small dollar loan program.

Topic B

Small business loans to

businesses.

B-1

Small business loan (including a

line of credit) when the loan is classified on the covered mortgage licensee's

Mortgage Call Report as a commercial and industrial loan.

B-2

Small business loan (including a

line of credit) when the loan is classified on the covered mortgage licensee's

Mortgage Call Report as a loan secured by nonfarm nonresidential properties.

B-3

Small business loan  under the

U.S. Small Business Administration (SBA) 504 Certified Development Company

program.

B-4

Small business loan to make

improvements to its manufacturing facility under the SBA 7(a) loan program.

B-5

Small business loan to finance

the purchase of machinery under the USDA's Rural Development Business and

Industry Guarantee Loan Program.

B-6

Small business loan to improve

accessibility of its facilities for disabled customers.

B-7

Small business loan under the

SBA Paycheck Protection Program.

Topic C

Small business loans to farms.

C-1

Small business loan (including a

line of credit) when the loan is classified on the covered mortgage licensee's

Mortgage Call Report as a loan to finance agricultural production and other

loans to farmers.

C-2

Small business loan to finance

the purchase of farm equipment.

Topic D

Loans made in or to an

individual or business located in Indian country or other tribal and native

lands.

D-1

Loan or line of credit made in

Indian country or other tribal and native lands and classified on the covered

mortgage licensee's Mortgage Call Report as a 1-4 family residential

construction loan.

D-2

Closed-end loan or open-end line

of credit made in Indian country or other tribal and native lands and

classified on the covered mortgage licensee's Mortgage Call Report as a loan

secured by a 1-4 family residential property

Indian country or other tribal and native lands and classified on the covered

mortgage licensee's Mortgage Call Report as a 1-4 family residential

construction loan.

D-2

Closed-end loan or open-end line

of credit made in Indian country or other tribal and native lands and

classified on the covered mortgage licensee's Mortgage Call Report as a loan

secured by a 1-4 family residential property.

D-3

Loan made in Indian country or

other tribal and native lands and classified on the covered mortgage licensee's

Mortgage Call Report as secured by a multifamily residential property.

D-4

Home mortgage loan made in

Indian country or other tribal and native lands and guaranteed by the Federal

Housing Administration.

D-5

Home mortgage loan made in

Indian country or other tribal and native lands and guaranteed under HUD's

Indian Home Loan Guarantee Program (Section 184).

D-6

Home mortgage loan made in

Indian country or other tribal and native lands and guaranteed by the USDA's

Rural Housing Service.

D-7

Home mortgage loan made in

Indian country or other tribal and native lands and guaranteed by the

Veterans Administration.

D-8

Home equity line of credit

extended in Indian country or other tribal and native lands, such as for home

improvement.

D-9

Non-credit card revolving credit

line, such as for purchase of home appliances, to an individual located in

Indian country or other tribal and native lands.

D-10

Consumer loan made to an

individual located in Indian country or other tribal and native lands for

purposes other than purchasing an automobile, such as to fund unexpected

medical expenses.

D-11

Automobile loan to an individual

located in Indian country or other tribal and native lands to purchase a car.

D-12

Small business loan (including a

line of credit) in Indian country or other tribal and native lands when the

loan is classified on the covered mortgage licensee's Mortgage Call Report as

a commercial and industrial loan

tomobile, such as to fund unexpected

medical expenses.

D-11

Automobile loan to an individual

located in Indian country or other tribal and native lands to purchase a car.

D-12

Small business loan (including a

line of credit) in Indian country or other tribal and native lands when the

loan is classified on the covered mortgage licensee's Mortgage Call Report as

a commercial and industrial loan.

D-13

Small business loan (including a

line of credit) located in Indian country or other tribal and native lands

when the loan is classified on the covered mortgage licensee's Mortgage Call

Report as a loan secured by nonfarm nonresidential properties.

D-14

Small business loan (including a

line of credit) located in Indian country or other tribal and native lands

made under the SBA Certified Development Company/504 Loan Program.

D-15

Small business loan (including a

line of credit) located in Indian country or other tribal and native lands to

make improvements to its manufacturing facility under the SBA 7(a) loan program.

D-16

Small business loan (including a

line of credit) located in Indian country or other tribal and native lands to

finance the purchase of machinery under the USDA's Rural Development Business

and Industry Guarantee Loan Program.

D-17

Small business loan (including a

line of credit) located in Indian country or other tribal and native lands

when the loan is classified on the covered mortgage licensee's Mortgage Call

Report as a loan to finance agricultural production and other loans to

farmers.

Topic E

A small business loan to a

business located in a low- or moderate- income census tract.

E-1

Small business loan to purchase

inventory for its business located in a moderate-income census tract.

E-2

Small business loan to expand

its manufacturing facility located in a low-income census tract.

Topic F

A small business loan to a farm

located in a low- or moderate-income census tract.

F-1

Small business loan located in a

low-income census tract to purchase farm equipment

ensus tract.

E-1

Small business loan to purchase

inventory for its business located in a moderate-income census tract.

E-2

Small business loan to expand

its manufacturing facility located in a low-income census tract.

Topic F

A small business loan to a farm

located in a low- or moderate-income census tract.

F-1

Small business loan located in a

low-income census tract to purchase farm equipment.

F-2

Small business loan located in a

moderate-income census tract to refinance a construction loan used to expand

dairy production facilities.

Topic G

Loans, investments, and services

to facilitate affordable housing that is likely to be partially or primarily

inhabited by low- or moderate-income individuals or families.

G-1

Loan to a non-profit

organization for the purpose of providing affordable housing to LMI

individuals.

G-2

Loan to a for-profit business

for the purpose of providing affordable housing to LMI individuals.

G-3

Loan to a for-profit developer

for construction of multi-family mixed- income rental housing that partially

benefits LMI individuals because some units will meet the median rent

standard.

G-4

Loan to a non-profit developer

to build multi-family rental housing guaranteed under the USDA's Section 538

Guaranteed Loan Program where median rents will meet the median rent

standard.

G-5

Loan to a for-profit developer

to build multi-family rental housing guaranteed under the USDA's Section 538

Guaranteed Loan Program where median rents will meet the median rent

standard.

G-6

Investment that will use tax

credits from the Federal Historic Tax Credit Program to finance the adaptive

reuse and renovation of a hotel into rental units in a moderate- income area,

and many of the units will meet the median rent standard.

G-7

Loan for a mixed-use property in

an underserved area that will be used to help seasonal businesses provide

affordable housing to seasonal LMI workers at rents that meet the median rent

standard

e Federal Historic Tax Credit Program to finance the adaptive

reuse and renovation of a hotel into rental units in a moderate- income area,

and many of the units will meet the median rent standard.

G-7

Loan for a mixed-use property in

an underserved area that will be used to help seasonal businesses provide

affordable housing to seasonal LMI workers at rents that meet the median rent

standard.

G-8

Loan to a for-profit developer

for construction of multi-family mixed- income rental housing, where many of

the units will meet the median rent standard.

G-9

Investment that will finance the

company's production of cost-effective modular housing, which will be used to

supply affordable housing units where rents will meet the median rent

standard.

G-10

Investment that supports the

abatement of, or remediation to correct, lead-based paint, asbestos, mold, or

radon that are present in a multi- family rental housing project where rents

meet the median rent standard.

Topic H

Loans, investments, and services

that facilitate affordable housing that is partially or primarily inhabited

by low- or moderate-income individuals or families as demonstrated by an

affordable housing set-aside required by a federal, state, local, or tribal

government.

H-1

Investment in a project with

housing units made affordable to LMI individuals through local inclusionary

zoning.

H-2

Loan to purchase a multifamily

dwelling that will partially benefit LMI individuals, including renters who receive

assistance under HUD's section 8 rental subsidy program.

H-3

Investment that provides

financing for the construction of a rent-to-own affordable housing complex

targeted to LMI individuals and families.

Topic I

Loans, investments, and services

that facilitate affordable housing, in conjunction with an explicit federal,

state, local, or tribal government affordable housing program for low- or

moderate-income individuals or families

subsidy program.

H-3

Investment that provides

financing for the construction of a rent-to-own affordable housing complex

targeted to LMI individuals and families.

Topic I

Loans, investments, and services

that facilitate affordable housing, in conjunction with an explicit federal,

state, local, or tribal government affordable housing program for low- or

moderate-income individuals or families.

I-1

Investment in a limited

partnership to develop and operate a Federal Low-Income Housing Tax Credit

(LIHTC) multi-family housing project.

I-2

Investment to finance the

conversion and rehabilitation of public housing using HUD's Rental Assistance

Demonstration Program that uses a section 8 project-based contract to make

the units affordable to LMI individuals and families.

I-3

Loan to a nursing home and

assisted living facility that uses HUD's Section 232 loan guarantee and is

defined by HUD as multifamily housing that primarily serves or assists LMI individuals

or families.

I-4

Investment in a "green"

retrofit initiative as part of an explicit local government program used to

maintain the affordability of rental housing for LMI individuals through

energy efficient measures.

I-5

Loan to facilitate the purchase

of existing multifamily housing using a guarantee provided under the HUD

Section 207/223(f) program to make the units affordable to LMI individuals

and families.

I-6

Loan to facilitate the

substantial rehabilitation of multifamily rental housing for moderate-income

families, elderly and the handicapped using a guarantee provided under the

HUD Section 221(d)(4) mortgage insurance program to make the units affordable

to LMI individuals and families.

I-7

Loan to a Native American tribe

to purchase land and construct infrastructure and affordable rental housing,

as identified in the tribe's Indian Housing Plan, using a guarantee provided

under the HUD Title VI Tribal Housing Activities Loan Guarantee Program to

make the units affordable to LMI individuals and families

ce program to make the units affordable

to LMI individuals and families.

I-7

Loan to a Native American tribe

to purchase land and construct infrastructure and affordable rental housing,

as identified in the tribe's Indian Housing Plan, using a guarantee provided

under the HUD Title VI Tribal Housing Activities Loan Guarantee Program to

make the units affordable to LMI individuals and families.

I-8

Loan to a non-profit sponsor to

rehabilitate multifamily rental housing for elderly persons (62 or older)

and/or persons with disabilities using a guarantee provided under the HUD

Program Section 231 to make the units affordable to LMI individuals.

I-9

Investment for Federal Historic

Tax Credits to finance the adaptive reuse and renovation of a historic

property that also receives financing using Federal Low-Income Housing Tax

Credits.

I-10

Loan for the construction of a

government-supported accessible rental housing facility for LMI disabled

persons.

Topic J

Loans, investments, and services

that facilitate affordable housing, such as owner-occupied housing purchased,

refinanced, or improved by or on behalf of low- or moderate-income

individuals or families, except for home mortgage loans provided directly to

individuals or families.

J-1

Investment in a mortgage-backed

security that is primarily secured by loans to LMI borrowers.

J-2

Down payment and closing cost

assistance grants on home purchase loans for LMI borrowers, including, but

not limited to, assisting borrowers in obtaining grants from the FHLBanks' regulatory

Homeownership Set-Aside Programs.

Topic K

Loans, investments, and services

that facilitate another covered mortgage licensee's community development

loans, investments, or services.

K-1

Covered mortgage licensee

employees volunteer to provide technical assistance to another covered

financial institution to establish a loan program targeted to LMI individuals

and families

FHLBanks' regulatory

Homeownership Set-Aside Programs.

Topic K

Loans, investments, and services

that facilitate another covered mortgage licensee's community development

loans, investments, or services.

K-1

Covered mortgage licensee

employees volunteer to provide technical assistance to another covered

financial institution to establish a loan program targeted to LMI individuals

and families.

Topic L

Loans, investments, and services

that facilitate child care, education, workforce development and job training

programs, health services, and housing services, that partially or primarily

serve or assist low- or moderate-income individuals or families.

L-1

Investment, in a fund that

provides financing for a charter school that will primarily serve LMI

children.

L-2

Monetary donation to a

non-profit organization that provides transportation to medical treatments for

LMI individuals.

L-3

Grant to a non-profit

organization that provides housing assistance and counseling to LMI

immigrants residing in the United States.

L-4

Providing mentoring/tutoring

services to clients of a non-profit organization that serves LMI youth.

L-5

Investment, that supports a non-

profit that provides general education degrees that primarily serves LMI

individuals without a high school diploma.

L-6

Loan to a non-profit training

center that provides workforce development and job training programs, which

primarily serve unemployed, LMI individuals.

L-7

In-kind donation to a food

pantry that provides services to unemployed, LMI families.

L-8

Loan to acquire a child care

facility that serves LMI residents of a low- income neighborhood.

L-9

Covered mortgage licensee

employees volunteer service with a non-profit that provides income tax

assistance programs for LMI individuals.

L-10

Grant to a non-profit

organization that runs a state-funded battered women's shelter for LMI

individuals in an underserved area and as part of a statewide program

cquire a child care

facility that serves LMI residents of a low- income neighborhood.

L-9

Covered mortgage licensee

employees volunteer service with a non-profit that provides income tax

assistance programs for LMI individuals.

L-10

Grant to a non-profit

organization that runs a state-funded battered women's shelter for LMI

individuals in an underserved area and as part of a statewide program.

L-11

Loan, investment, or service

that supports an LMI-focused alcohol and drug recovery center.

L-12

Grant to a drug rehabilitation

center that primarily serves low-income individuals.

L-13

Loan to a legal assistance

program for LMI individuals.

L-14

Grant to an organization that

provides resume writing services to LMI formerly incarcerated individuals.

L-15

Loan to a non-profit

organization providing affordable child care services that primarily serve

LMI individuals or families.

L-16

Grant to support a program that

provides eyeglasses to low-income individuals.

L-17

In-kind contribution of

rent-free office space to a local food bank.

L-18

Provision of technical

assistance on financial matters to a non-profit organization supporting loan

or grant activity under the Federal Home Loan Banks' (FHLBanks) Affordable

Housing Program including, but not limited to, serving on a loan review

committee, assisting in marketing financial services, furnishing financial

services training for staff and management, assisting with or submitting

applications, disbursing funds, or monitoring compliance activities.

L-19

Grant to a nonprofit community

program which assists LMI individuals to find and enroll in free or low-cost

home broadband internet services for which they are eligible.

L-20

Grant in support of a nonprofit

program which refurbishes used computers in order to provide them to LMI

individuals at no cost or at a very low cost.

L-21

Monetary donations to a

workforce development program designed to improve employment opportunities

for LMI individuals with disabilities

find and enroll in free or low-cost

home broadband internet services for which they are eligible.

L-20

Grant in support of a nonprofit

program which refurbishes used computers in order to provide them to LMI

individuals at no cost or at a very low cost.

L-21

Monetary donations to a

workforce development program designed to improve employment opportunities

for LMI individuals with disabilities.

L-22

Covered mortgage licensee loan

to a skilled nursing facility that primarily serves low-income persons

receiving Medicaid.

L-23

Monetary donation to a school

that primarily serves LMI students to purchase technology that enables it to

conduct on-line classes for students affected by government mandated

stay-at-home orders during a national health emergency.

Topic M

Loans, investments, and services

that facilitate economic development, such as activities that provide

financing for or support businesses or farms including activities that promote

job creation or job retention partially or primarily for low- or

moderate-income individuals.

M-1

Loan to a business to expand its

facility and add jobs held by LMI individuals.

M-2

Investment using New Markets Tax

Credits that will allow the facility to expand and jobs held by LMI

individuals.

Topic N

Loans, investments, and services

that facilitate economic development, such as activities that provide

financing for or support businesses or farms including federal, state, local,

or tribal government programs, projects, or initiatives that partially or

primarily serve small businesses or small farms as those terms are defined in

the programs, projects, or initiatives.

N-1

Covered mortgage licensee

employees volunteer service providing technical assistance to small

businesses on how to create business plans under a state program to support

statewide business development.

N-2

Micro-loan for working capital

to a small business that is a state- certified Historically Underutilized

Business

as those terms are defined in

the programs, projects, or initiatives.

N-1

Covered mortgage licensee

employees volunteer service providing technical assistance to small

businesses on how to create business plans under a state program to support

statewide business development.

N-2

Micro-loan for working capital

to a small business that is a state- certified Historically Underutilized

Business.

N-3

Grant to a non-profit that

provides financing for small farms under a federal program to encourage new

farm development.

N-4

Loan to a small business

incubator that primarily benefits small businesses by providing supportive

services to business start-ups and that is funded in part under a statewide

community development initiative.

N-5

Loan to a small business under a

tribal government loan guarantee program.

Topic O

Loans, investments, and services

that facilitate economic development, such as activities that provide

financing for or support businesses or farms including retaining existing, or

attracting new, businesses, farms, or residents to low- or moderate-income

census tracts, underserved areas, distressed areas, designated disaster areas

consistent with a disaster recovery plan, or Indian country or other tribal

and native lands.

O-1

Loan to a business to replace

equipment and restore its facilities, thereby retaining employees in a

designated disaster area consistent with a disaster recovery plan.

O-2

Monetary donation to an

emergency/drought relief fund formed by a community foundation that provides

grants to farms that are located in a distressed area to help sustain the

farms.

O-3

A loan to finance the

development of workforce housing located in an underserved area that is

within close proximity to a warehouse owned by a multinational conglomerate

tent with a disaster recovery plan.

O-2

Monetary donation to an

emergency/drought relief fund formed by a community foundation that provides

grants to farms that are located in a distressed area to help sustain the

farms.

O-3

A loan to finance the

development of workforce housing located in an underserved area that is

within close proximity to a warehouse owned by a multinational conglomerate.

Topic P

Loans, investments, and services

that facilitate economic development, such as activities that provide

financing for or support businesses or farms including a Small Business Administration

Certified Development Company, as that term is defined in 13 CFR 120.10, a

Small Business Investment Company, as described 13 CFR part 107, a New

Markets Venture Capital company, as described in 13 CFR part 108, a qualified

Community Development Entity, as defined in 26 CFR 45D(c), or a U.S.

Department of Agriculture Rural Business Investment Company, as defined in 7

CFR 4290.50.

P-1

Investment in a New Markets

Venture Capital company that finances businesses that meet the SBA's size

standards used to define small business concerns.

P-2

Investment in a qualified

Community Development Entity that will provide financing for a food market to

build a refrigerated warehouse and food distribution facility.

P-3

Investment in an SBA-certified

Small Business Investment Company (SBIC) to finance businesses that meet the

SBIC size standards.

P-4

Investment in a USDA Rural

Business Investment Company (RBIC) to fund businesses and farms that meet the

RBIC size standards.

P-5

Investment in a New Markets Tax

Credit-eligible Community Development Entity to fund a mixed-use project that

will include affordable housing for LMI individuals and families and retail

space for a small business.

P-6

Investment eligible for Federal Historic

Tax Credits to finance the adaptive reuse and renovation of a historic

property that also receives New Markets Tax Credits

tandards.

P-5

Investment in a New Markets Tax

Credit-eligible Community Development Entity to fund a mixed-use project that

will include affordable housing for LMI individuals and families and retail

space for a small business.

P-6

Investment eligible for Federal Historic

Tax Credits to finance the adaptive reuse and renovation of a historic

property that also receives New Markets Tax Credits.

P-7

Investment in a fund that

purchases the debentures, guaranteed by the SBA, that are offered by the

SBA-certified development companies.

P-8

Loan to a Community Development

Financial Institution (CDFI) Fund- certified Community Development Entity

that finances a small business' purchase of real estate related to a New

Markets Tax Credit project, as provided for in 26 U.S.C. 45D.

Topic Q

Loans, investments, and services

that facilitate economic development, such as activities that provide

financing for or support businesses or farms including technical assistance

and supportive services, such as shared space, technology, or administrative

assistance for businesses or farms that meet the size eligibility standards

of the Small Business Investment Company program, as described in 13 CFR part

107.

Q-1

Grant to a non-profit that

provides technical assistance to businesses that meet the stated

size-eligibility standards.

Q-2

Loan to a non-profit entity that

provides technical assistance to businesses that meet the size-eligibility

standards for an SBA SBIC.

Q-3

Covered mortgage licensee

employees volunteer through a local Chamber of Commerce to lead a workshop

that provides technical assistance to the chamber's business members that

meet the stated size-eligibility standards.

Q-4

Providing permanent office space

rent-free at a branch for use by the local economic development organization

that targets business development, predominantly among start-up and

micro-businesses that meet the stated size-eligibility standards

of Commerce to lead a workshop

that provides technical assistance to the chamber's business members that

meet the stated size-eligibility standards.

Q-4

Providing permanent office space

rent-free at a branch for use by the local economic development organization

that targets business development, predominantly among start-up and

micro-businesses that meet the stated size-eligibility standards.

Q-5

Monetary donation to a CDFI that

is providing technical assistance and loans to small businesses adversely

impacted by state-mandated business closures during a health emergency.

Topic R

Loans, investments, and services

that facilitate essential community facilities that partially or primarily

serve low- or moderate-income individuals or families.

R-1

Construction loan to improve a

hospital that is located in a middle- income census tract adjacent to a low-income

census tract that partially benefits LMI individuals who will utilize

hospital services.

R-2

Investment in a municipal bond

to fund construction of a health center that will primarily serve residents

of a moderate-income neighborhood.

R-3

Purchase of a local municipal

bond, the proceeds of which will be used to construct a new high school that

will partially serve students from LMI families.

R-4

Direct financing or investment

in supportive housing for the chronically homeless incorporating eligible public

funding programs, such as state-issued tax-exempt bonds, HUD's Supportive

Housing Program, Section 8 Project-Based Rental Assistance, the LIHTC

program, or the FHLBanks' Affordable Housing Program.

R-5

Loan to upgrade equipment at a

public library to accommodate LMI disabled patrons.

R-6

Grant to an organization to

purchase personal or other protective equipment for doctors and nurses

treating in a Federally Qualified Health Care Center during a local health

emergency

sing Program, Section 8 Project-Based Rental Assistance, the LIHTC

program, or the FHLBanks' Affordable Housing Program.

R-5

Loan to upgrade equipment at a

public library to accommodate LMI disabled patrons.

R-6

Grant to an organization to

purchase personal or other protective equipment for doctors and nurses

treating in a Federally Qualified Health Care Center during a local health

emergency.

Topic S

Loans, investments, and services

that facilitate essential community facilities that partially or primarily

serve low- or moderate-income census tracts, distressed areas, underserved

areas, disaster areas consistent with a disaster recovery plan, or Indian

country or other tribal and native lands.

S-1

Loan to construct a new fire

station located in Indian country or other tribal and native lands.

S-2

Loan to a company to build a health

clinic in an underserved area, using the USDA's Community Facilities

Guaranteed Loan Program.

S-3

Loan to build a police station

in a distressed area.

S-4

Purchase of a local municipal

bond with a purpose consistent with a local disaster recovery plan, the

proceeds of which will be used to construct a new high school in a disaster

area.

S-5

Loan to improve a hospital in a

distressed area that serves the entire community, including LMI individuals.

Investment in a fund that finances

community facilities in Indian country or other tribal and native lands, such

as a community recreational facility.

Topic T

Loans, investments, and services

that facilitate essential infrastructure that partially or primarily serves

low- or moderate-income individuals or families.

T-1

Loan to finance construction of

a road in a rural community that provides LMI residents of the area access to

employment centers outside of the area.

T-2

Investment in a local

cooperative to develop broadband infrastructure and expand access to LMI

residents in the area

facilitate essential infrastructure that partially or primarily serves

low- or moderate-income individuals or families.

T-1

Loan to finance construction of

a road in a rural community that provides LMI residents of the area access to

employment centers outside of the area.

T-2

Investment in a local

cooperative to develop broadband infrastructure and expand access to LMI

residents in the area.

T-3

Investment in a local municipal

bond to improve city-wide water and wastewater systems with benefit to all

residents, including LMI residents.

T-4

Loan for infrastructure

improvements, including upgrading roads, water supply and sewer services, to

a mobile home park that primarily rents space to LMI residents.

T-5

Financing of a community-wide

solar plus energy storage system to reduce utility costs and help maintain

affordability for a multifamily housing complex in an LMI community.

Topic U

Loans, investments, and services

that facilitate essential infrastructure that partially or primarily serves

low- or moderate-income census tracts, distressed areas, underserved areas,

disaster areas consistent with a disaster recovery plan, or Indian country or

other tribal and native lands.

U-1

Investment that will finance

construction of a solar energy facility that uses federal renewable energy

tax credits and will provide access to reduced cost electrical utilities to

LMI census tracts.

U-2

Investment in a local municipal

bond to refurbish a bridge that connects a low-income neighborhood with

essential services without which residents would otherwise not have access to

those services.

U-3

Investment in a state issued

bond to reconstruct a tunnel in a disaster area, consistent with the area's

disaster recovery plan.

U-4

Purchase of a local municipal

bond, the proceeds of which will be used to upgrade a water pipeline that

serves an underserved area

s a low-income neighborhood with

essential services without which residents would otherwise not have access to

those services.

U-3

Investment in a state issued

bond to reconstruct a tunnel in a disaster area, consistent with the area's

disaster recovery plan.

U-4

Purchase of a local municipal

bond, the proceeds of which will be used to upgrade a water pipeline that

serves an underserved area.

U-5

Loan to a company to build a new

flood control system as identified in the community's disaster recovery plan,

such as a levee or storm drain that serves the disaster area.

U-6

Investment to finance the

construction of a broadband network to develop reliable internet access in an

LMI census tract.

U-7

Investment in a Special City

Taxing District Bond with the purpose of renovating city sidewalks in a

distressed area to comply with the Americans with Disabilities Act.

U-8

Purchase of a municipal bond

issued to finance infrastructure improvements to enable a community to

prevent flooding in LMI neighborhoods negatively impacted by rising water

levels.

Topic V

Loans, investments, and services

that facilitate a family farm's purchase or lease of farmland, equipment, and

other farm-related inputs for the family farm's use in operating the farm.

V-1

Loan to a family farm to

purchase a tractor.

V-2

Loan to a family farm to

purchase additional land to increase production.

V-3

Loan to a vineyard that is a

family farm to purchase additional acreage.

Topic W

Loans, investments, and services

that facilitate a family farm's receipt of technical assistance and supportive

services for the family farm's own production, such as shared space,

technology, or administrative assistance through an intermediary.

W-1

Grant to a non-profit

organization that provides technical assistance to family farms.

Topic X

Loans, investments, and services

that facilitate a family farm's sale and trade of family farm products grown

or produced by the family farm

tance and supportive

services for the family farm's own production, such as shared space,

technology, or administrative assistance through an intermediary.

W-1

Grant to a non-profit

organization that provides technical assistance to family farms.

Topic X

Loans, investments, and services

that facilitate a family farm's sale and trade of family farm products grown

or produced by the family farm.

X-1

Loan to a family farm to

construct a building from which to sell produce.

X-2

Loan to a family farm to market

and sell its products statewide.

Topic Y

Loans, investments, and services

that facilitate federal, state, local, or tribal government programs,

projects, or initiatives that partially or primarily serve low- or

moderate-income individuals or families.

Y-1

Grant to a non-profit

organization to provide a local government sponsored dress for success

program for homeless women.

Y-2

Loan to a non-profit

organization to provide a state government sponsored after-school program for

students from LMI families.

Topic Z

Loans, investments, and services

that facilitate federal, state, local, or tribal government programs,

projects, or initiatives that are consistent with a bona fide government

revitalization, stabilization, or recovery plan for a low- or moderate-income

census tract; a distressed area; an underserved area; a disaster area; or

Indian country or other tribal and native lands.

Z-1

Grant to a non-profit

organization that receives funds from a statewide program to revitalize

communities in Indian country or other tribal and native lands.

Z-2

Contribution of other real

estate owned property to a local government- owned land bank whose primary

purpose is consistent with a government revitalization plan that benefits LMI

census tracts.

Z-3

Financing to support cleanup of

industrial brownfields in a distressed area as part of a city-sponsored

revitalization program

communities in Indian country or other tribal and native lands.

Z-2

Contribution of other real

estate owned property to a local government- owned land bank whose primary

purpose is consistent with a government revitalization plan that benefits LMI

census tracts.

Z-3

Financing to support cleanup of

industrial brownfields in a distressed area as part of a city-sponsored

revitalization program.

Z-4

Investment in a Tax Increment

Financing bond to finance infrastructure improvements consistent with a

government revitalization plan in a distressed area.

Z-5

Loan through a state program to

a company to purchase and replace equipment as well as rebuild the

manufacturing facility that was damaged by flooding in a federally designated

disaster area and supported by the community's disaster recovery plan.

Topic AA

Loans, investments, and services

that facilitate financial literacy programs or education or homebuyer

counseling.

AA-1

Financial counseling by covered

mortgage licensee employees to participants in a workforce development

program primarily benefiting LMI individuals or families.

AA-2

Covered mortgage licensee

employees conduct first-time homebuyer counseling program for covered

mortgage licensee customers primarily benefitting LMI individuals or

families.

AA-3

Covered mortgage licensee

employees teach financial education or literacy curricula at local community

centers primarily benefitting LMI individuals or families.

AA-4

Covered mortgage licensee

employees delivering the Federal Deposit Insurance Corporation's Money Smart

Program curriculum to residents at a senior living facility primarily

benefitting LMI individuals or families.

AA-5

Grant to a non-profit

organization that provides financial literacy courses for a foreclosure

prevention program.

AA-6

Activities supporting "train

the trainer" programs that are designed to train teachers to provide

financial literacy education to their students primarily benefitting LMI

individuals or families

a senior living facility primarily

benefitting LMI individuals or families.

AA-5

Grant to a non-profit

organization that provides financial literacy courses for a foreclosure

prevention program.

AA-6

Activities supporting "train

the trainer" programs that are designed to train teachers to provide

financial literacy education to their students primarily benefitting LMI

individuals or families.

AA-7

In-kind donation of computer

equipment to a non-profit that conducts personal money management courses for

LMI individuals.

AA-8

Covered mortgage licensee

employees provide financial education in connection with a school savings

program primarily benefitting LMI individuals or families.

AA-9

Loan to a non-profit credit

counseling organization that conducts personal money management courses.

AA-10

Monetary donation to an

organization that conducts elder financial abuse and identity theft

prevention programs.

AA-11

In-kind donation of computer

equipment to a non-profit that provides financial literacy courses.

AA-12

Covered mortgage licensee

employees assist in the preparation of tax filings under the Internal Revenue

Service's Volunteer Income Tax Assistance Program.

AA-13

Covered mortgage licensee

employees provide homebuyer education to potential buyers of single-family

housing developed under a state program for middle- income individuals and

families in high-cost areas.

AA-14

Volunteer service to open

savings accounts offered through a school- based banking program, including

financial literacy, to students of a K- 12 school that is located in and

serves residents of an LMI census tract.

AA-15

Financial support of a nonprofit

community program that provides digital literacy training to residents of an

LMI neighborhood, in order to increase their ability to use online banking

services.

AA-16

Covered mortgage licensee

employees provide financial capability training to individuals with

disabilities

f a K- 12 school that is located in and

serves residents of an LMI census tract.

AA-15

Financial support of a nonprofit

community program that provides digital literacy training to residents of an

LMI neighborhood, in order to increase their ability to use online banking

services.

AA-16

Covered mortgage licensee

employees provide financial capability training to individuals with

disabilities.

Topic BB

Loans, investments, and services

that facilitate owner-occupied and rental housing development, construction,

rehabilitation, improvement, or maintenance in Indian country or other tribal

and native lands.

BB-1

Loan to develop housing in

Indian country or other tribal and native lands that is guaranteed under HUD's

Title VI Loan Guarantee Program.

BB-2

Loan to construct mixed-income

housing under a tribal-government sponsored program in Indian country or

other tribal and native lands.

BB-3

Loan to a for-profit developer

to construct rental housing in Indian country or other tribal and native

lands.

Topic CC

Loans, investments, and services

that facilitate qualified opportunity funds, as defined in 26 U.S.C.

1400Z-2(d)(1), that benefit low- or moderate-income qualified opportunity

zones, as defined in 26 U.S.C. 1400Z-1(a).

CC-1

Investment in a qualified

opportunity fund, established to finance construction of a new manufacturing

facility that creates jobs for local residents in an opportunity zone that is

also an LMI census tract.

CC-2

Investment in a qualified

opportunity fund, established to finance renovation of a vacant building into

a cultural arts facility in an opportunity zone that is also an LMI census

tract.

CC-3

Investment in a qualified

opportunity fund, established to finance the rehabilitation of an acute care

hospital facility, including the purchase of new medical equipment, in an

opportunity zone that is also an LMI census tract

ed

opportunity fund, established to finance renovation of a vacant building into

a cultural arts facility in an opportunity zone that is also an LMI census

tract.

CC-3

Investment in a qualified

opportunity fund, established to finance the rehabilitation of an acute care

hospital facility, including the purchase of new medical equipment, in an

opportunity zone that is also an LMI census tract.

CC-4

Investment in a qualified

opportunity fund, established to finance improvements to an athletic facility

owned and operated for community benefit by a local nonprofit in an

opportunity zone that is also an LMI census tract.

CC-5

Investment in a qualified

opportunity fund that finances construction of a grocery store in an LMI

opportunity zone.

CC-6

Investment in a qualified

opportunity fund that finances the construction of a commercial building

intended for retail and restaurant use in an LMI opportunity zone.

Topic DD

Loans, investments, and services

that facilitate other activities and ventures undertaken, including capital

investments and loan participations, by a covered mortgage licensee in

cooperation with a minority depository institution, women's depository

institution, Community Development Financial Institution, or low-income

credit union, if the activity helps to meet the credit needs of local

communities in which such institutions are chartered, including activities

that indirectly help to meet community credit needs by promoting the

sustainability and profitability of those institutions and credit unions.

DD-1

Covered mortgage licensee

employee time spent facilitating a loan participation with a minority depository

institution, which will help the minority depository institution to meet the

credit needs of its local community.

DD-2

Covered mortgage licensee

employees provide training to CDFI staff on underwriting small farm loans to

help the CDFI expand its product offerings to its community

.

DD-1

Covered mortgage licensee

employee time spent facilitating a loan participation with a minority depository

institution, which will help the minority depository institution to meet the

credit needs of its local community.

DD-2

Covered mortgage licensee

employees provide training to CDFI staff on underwriting small farm loans to

help the CDFI expand its product offerings to its community.

DD-3

Covered mortgage licensee

provides in-kind services in the form of free or discounted data processing

systems that aids a minority depository institution in serving its customers.

DD-4

Covered mortgage licensee

donates branch space on a rent-free basis to a low-income credit union to

better serve the credit union's customers.

DD-5

Covered mortgage licensee

certificate of deposit in a minority depository institution.

DD-6

Loan to enable a minority- or women's

depository institution, low- income credit union, or CDFI to partner with

schools or universities to offer financial literacy education to members of

the local communities in which such institutions are chartered.

DD-7

A covered mortgage licensee

purchase of common stock for an ownership interest in a minority depository

institution to help meet the credit needs of the minority-owned depository

institution's local community.

DD-8

Covered mortgage licensee

purchase or sale of a loan participation from or to a minority depository

institution.