§__.21(a) – 2
Q: Are all community development activities weighted equally by examiners?
A2. No. Examiners will consider the responsiveness to credit and community development needs, as well as the innovativeness and complexity, if applicable, of an institution’s community development lending, qualified investments, and community development services. These criteria include consideration of the degree to which they serve as a catalyst for other community development activities. The criteria are designed to add a qualitative element to the evaluation of an institution’s performance. (“Innovativeness” and “complexity” are not factors in the community development test applicable to intermediate small institutions.)
Source: Interagency Questions & Answers Regarding Community Reinvestment | July 2016