§__.41(a) – 1
Q: How do the Agencies evaluate “assessment areas” under the CRA regulations?
A1. The rule focuses on the distribution and level of an institution’s lending, investments, and services rather than on how and why an institution delineated its assessment area(s) in a particular manner. Therefore, the Agencies will not evaluate an institution’s delineation of its assessment area(s) as a separate performance criterion. Rather, the Agencies will only review whether the assessment area(s) delineated by the institution complies with the limitations set forth in the regulations at 12 CFR __.41(e).
Source: Interagency Questions & Answers Regarding Community Reinvestment | July 2016