# 12 CFR § 345.15: 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/ecfr-12-345.15

## Section

- **Citation:** 12 CFR § 345.15
- **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:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** Title 12—Banks and Banking > CHAPTER III—FEDERAL DEPOSIT INSURANCE CORPORATION > SUBCHAPTER B—REGULATIONS AND STATEMENTS OF GENERAL POLICY > PART 345—COMMUNITY REINVESTMENT > Subpart A—General

## 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;
(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 CFR § 345.11 § 345.11 Authority, purposes, and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.11.md)
- [12 CFR § 345.12 § 345.12 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.12.md)
- [12 CFR § 345.13 § 345.13 Consideration of community development loans, community development investments, and community development services.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.13.md)
- [12 CFR § 345.14 § 345.14 Community development illustrative list; Confirmation of eligibility.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.14.md)
- [12 CFR § 345.15 § 345.15 Impact and responsiveness review of community development loans, community development investments, and community development services.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.15.md)
- [12 CFR § 345.16 § 345.16 Facility-based assessment areas.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.16.md)
- [12 CFR § 345.17 § 345.17 Retail lending assessment areas.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.17.md)
- [12 CFR § 345.18 § 345.18 Outside retail lending areas.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.18.md)
- [12 CFR § 345.19 § 345.19 Areas for eligible community development loans, community development investments, and community development services.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.19.md)
- [12 CFR § 345.21 § 345.21 Evaluation of CRA performance in general.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.21.md)
- [12 CFR § 345.22 § 345.22 Retail lending test.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.22.md)
- [12 CFR § 345.23 § 345.23 Retail services and products test.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.23.md)
- [12 CFR § 345.24 § 345.24 Community development financing test.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.24.md)
- [12 CFR § 345.25 § 345.25 Community development services test.](https://www.frixlaw.com/law-library/statutes/ecfr-12-345.25.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-12-345.15. Check the current official text before relying on it. Not legal advice.