Small retail banks that elect the new framework would be assessed solely under a Retail Lending Subtest, unless they elect to have other activities considered. The Retail Lending Subtest and Community Development Financing Subtest are grounded in a transparent, metrics-based approach to evaluating CRA performance. We propose using metrics that are tailored to local market conditions and that reflect changes across the business cycle.
In addition, we have also asked for feedback on ways to pair the use of metrics with targeted performance context considerations about the impact and responsiveness of retail 1/3  BIS central bankers' speeches  lending and community development financing activities. In considering the use of metrics, the ANPR also proposes ways to tailor evaluations to a bank’s business model and major product lines.