The ANPR proposes maintaining facility-based assessment areas while also exploring options for defining new assessment areas. Specifically, we ask for feedback on whether new assessment areas should be based on some threshold of deposits or lending in areas where the bank does not have a physical presence, and the ANPR discusses a potential option of allowing internet banks to have a national assessment area.
Finally, with respect to community development, we have heard feedback from stakeholders that it would be helpful to have more upfront clarity on what activities count for the CRA. We proposed providing an illustrative, non-exhaustive list of activities that meet the requirements for CRA consideration and are requesting feedback on how such a list should developed and maintained.