Federal Reserve analysis confirms there are large differences in LMI lending opportunities among assessment areas, which illustrates the importance of tailoring the retail lending thresholds to the needs of the local community (figure 4).
The ANPR also considers using the same metrics relative to performance ranges to produce a recommended Retail Lending Subtest conclusion of “outstanding,” “satisfactory,” “needs to improve,” or “substantial noncompliance.” We encourage commenters to make use of the CRA Analytics Data Tables that we published in March in order to evaluate the presumption threshold options and performance ranges and provide feedback.