Community Reinvestment Act

CRA Analytics and Consulting Services

We help banks and covered mortgage
companies achieve their CRA compliance and strategic goals.

 

ADI brings more than 20 years of experience and expertise to your team to help assess your CRA compliance needs, implement and execute sound and comprehensive CRA compliance procedures and reports, and evaluate the accuracy of your CRA loan data and LAR filings.

Our CRA consulting services include exam preparation, performance reporting and analysis, community development activity identification, qualitative research, and planning and advisory assistance.

CRA Exam Preparation

A CRA exam requires gathering a substantial amount of data and documentation to satisfy examiner requests. Moreover, an institution must present this information in a manner that appropriately reflects its “CRA Story” by linking performance measurements to key performance context factors and strategic initiatives. ADI helps institutions prepare for CRA exams by offering an array of customized services.

CRA Performance Analysis

A key component of a strong CRA Compliance Management System is monitoring and assessing performance under the relevant CRA Tests for your organization. Ongoing monitoring and comprehensive assessments can provide timely insights and the broad perspective needed to make appropriate strategic decisions. ADI provides an array of services that help institutions monitor key metrics and assess community needs and CRA performance.

Community Development

One of the biggest CRA challenges for banks is developing and executing the processes needed to effectively identify, qualify and document Community Development (CD) activities. Without an effective program, your organization may miss opportunities to meet the most pressing needs of your communities and maximize CRA performance. ADI can provide the assistance your organization needs to identify and qualify your organization’s investments and CD loans and services.

Qualitative Research

The mix of objective and subjective aspects of CRA requirements necessitates qualitative research to ensure compliance. Whether it is assessment area requirements, understanding how examiners evaluate other banks, or generating new ideas for CD opportunities, ADI has the experience and expertise to answer your CRA questions and assist. ADI supports institutions with a variety of qualitative research tasks.

CRA Planning & Advising

The complex requirements of CRA demand effective planning to ensure compliance in the short and long term. Establishing clear expectations and implementing a plan that can achieve those objectives is critical to CRA success. Anticipating events that can harm your organization’s CRA position is equally important. ADI helps organizations plan and execute for CRA success by delivering customized strategic solutions.

We will design and implement the right solution to meet your CRA compliance needs.

CRA Report Samples

Recent Engagements

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