§__.21(b)(5) Past Poor CRA Performance Adverse Affect on Current Rating

§__.21(b)(5) – 1

Q: Can an institution’s assigned rating be adversely affected by poor past performance?

A1. Yes. The Agencies will consider an institution’s past performance in its overall evaluation. For example, an institution that received a rating of “needs to improve” in the past may receive a rating of “substantial noncompliance” if its performance has not improved.


Source: Interagency Questions & Answers Regarding Community Reinvestment | July 2016

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