§25.13. Consideration of community development loans, community development investments, and community development services. — Inbound Citations

(1) The OCC when the institution is a bank or Federal savings association; and

(1) The Board, the FDIC, and the OCC jointly issue and maintain a publicly available illustrative list of non-exhaustive examples of loans, investments, and services that qualify for community development consideration as provided in § 25.13.

(F) Other information relevant to determining that the community development loan or community development investment meets the standards pursuant to § 25.13.

(i) On January 1, 2026, §§ 25.12 through 25.30, 25.42(a), 25.43, and 25.44; the data collection and maintenance requirements in § 25.42(c) through (f); and appendices A through F to this part become applicable.

For purposes of this part, the following definitions apply:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(B) (1) For loans, investments, or services supporting community development under paragraphs (b)(1) through (3) of this section, the majority of the housing units are affordable to low- or moderate-income individuals, families, or households;

(2) For loans, investments, or services supporting community development under paragraphs (b)(4) and (5) and (d) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, low- or moderate-income individuals, families, or households;

(3) For loans, investments, or services supporting community development under paragraph (c) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, small businesses or small farms;

(4) For loans, investments, or services supporting community development under paragraphs (e), (f), (g), and (i) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of targeted census tracts;

(5) For loans, investments, or services supporting community development under paragraph (h) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of designated disaster areas;

(6) For loans, investments, or services supporting community development under paragraph (j) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of Native Land Areas; or

(7) For loans, investments, or services supporting community development under paragraph (l) of this section, the loan, investment, or service primarily supports community development under paragraph (l) of this section.

(B) (1) For loans, investments, or services supporting community development under paragraphs (b)(1) through (3) of this section, the majority of the housing units are affordable to low- or moderate-income individuals, families, or households;

(2) For loans, investments, or services supporting community development under paragraphs (b)(4) and (5) and (d) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, low- or moderate-income individuals, families, or households;

(3) For loans, investments, or services supporting community development under paragraph (c) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, small businesses or small farms;

(4) For loans, investments, or services supporting community development under paragraphs (e), (f), (g), and (i) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of targeted census tracts;

(5) For loans, investments, or services supporting community development under paragraph (h) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of designated disaster areas;

(6) For loans, investments, or services supporting community development under paragraph (j) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of Native Land Areas; or

(7) For loans, investments, or services supporting community development under paragraph (l) of this section, the loan, investment, or service primarily supports community development under paragraph (l) of this section.

(2) Area median income means:

(B) (1) For loans, investments, or services supporting community development under paragraphs (b)(1) through (3) of this section, the majority of the housing units are affordable to low- or moderate-income individuals, families, or households;

(2) For loans, investments, or services supporting community development under paragraphs (b)(4) and (5) and (d) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, low- or moderate-income individuals, families, or households;

(3) For loans, investments, or services supporting community development under paragraph (c) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, small businesses or small farms;

(4) For loans, investments, or services supporting community development under paragraphs (e), (f), (g), and (i) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of targeted census tracts;

(5) For loans, investments, or services supporting community development under paragraph (h) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of designated disaster areas;

(6) For loans, investments, or services supporting community development under paragraph (j) of this section, the majority of the beneficiaries are, or the majority of dollars benefit or serve, residents of Native Land Areas; or

(7) For loans, investments, or services supporting community development under paragraph (l) of this section, the loan, investment, or service primarily supports community development under paragraph (l) of this section.

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).

(2) Area median income means:

As provided in paragraph (a) of this section, a bank or savings association may receive consideration for a loan, investment, or service that supports community development as described in paragraphs (b) through (l) of this section.

(1) The number of community development services attributable to each type of community development described in § 25.13(b) through (l);

(A) A bank or savings association may specify annual measurable goals for community development loans, community development investments, or both. The bank or savings association must base any annual measurable goals as a percentage or ratio of the bank's or savings association's community development loans and community development investments for all or certain types of community development described in § 25.13(b) through (l), presented either on a combined or separate basis, relative to the bank's or savings association's capacity and should account for community development needs and opportunities.

(B) (1) Name of organization or entity;

(2) Activity type (loan or investment);

(3) The type of community development described in § 25.13(b) through (l); and

(4) Community development loan or community development investment detail, such as the specific type of financing and type of entity supported (e.g., LIHTC, NMTC, Small Business Investment Company, multifamily mortgage, private business, or mission-driven nonprofit organization, mortgage-backed security, or other).