FDIC Atlanta Region Regulatory Conference Call
Reasonably Expected Market Area, Trade Area, and Assessment Area: Where Do they Fit under CRA and Fair Lending?
Thursday, October 27, 2016
10:00 AM to 11:30 AM Eastern Time
The Division of Depositor and Consumer Protection’s Atlanta Regional Office will host a Regional Regulatory Conference Call on Thursday, October 27, 2016, from 10:00 AM to 11:30 AM Eastern Time. The following topics will be discussed during the call:
- Defining the geographical areas considered when evaluating and analyzing CRA performance and Fair Lending compliance.
- Considering the impact of performance context as it relates to the bank’s defined CRA Assessment Area, including general performance context information, as well as a discussion of loan production offices and how they are considered when evaluating CRA performance.
- Understanding the principles behind defining a Reasonably Expected Market Area (REMA) based on the bank’s CRA Assessment Area, Trade Area and/or the geographical location of loan applications and originations for Fair Lending analyses.
- Assessing potential Redlining risk: Methodology behind utilizing a REMA, CRA Assessment Area, and/or a Trade Area (Areas) when evaluating application and lending patterns and marketing and outreach practices throughout the Areas’ various geographies, as defined by racial and ethnic compositions.
The presentation will be followed by a question and answer session. Questions may be submitted in advance of or during the live broadcast by emailing the FDIC Atlanta Regional Office at ATLConferenceCall@FDIC.gov.
The conference call is open to FDIC-supervised institutions in the Atlanta Region (i.e. state nonmember banks located in Alabama, Georgia, Florida, North Carolina, South Carolina, Virginia, and West Virginia or located elsewhere but supervised by the FDIC Atlanta Regional Office). Bank directors, officers, and staff members are welcome to participate in the conference call.
Advance registration is required by Thursday, October 20, 2016. Please register by completing the online registration form. In order to avoid duplicate registration forms, each institution should designate a primary contact who will submit one registration form for the institution.
The primary contact designated during the registration process will receive a confirmation email by close of business on Monday, October 24, 2016. The email will contain a toll-free number and passcode for participants to gain entry to the call as well as a link to access presentation materials. Presentation materials will be available for you to access or download no later than the day prior to the call. Please distribute the confirmation email to all participants at your institution.
If you need assistance with the registration process or need to modify your registration information, please email ATLConferenceCall@FDIC.gov or contact Administrative Assistant Tammy Taylor at 678-916-2250.