2025 Community Reinvestment Act Edit Guidelines

This document is a guide detailing the 2025 edits for the Community Reinvestment Act (CRA). It categorizes CRA edits into three types: Syntactical, Validity, and Quality. Syntactical edits address errors that prevent loan records from being loaded into the database, such as incorrect activity dates or duplicate records. Validity edits focus on records with factually incorrect information, like incorrect census tracts. Quality edits pertain to records that may pass the first two checks but are statistically unusual and require further investigation. The document also explains the significance of accurate data submissions and the consequences of outstanding edits on disclosure statements. It outlines how to report Assessment Areas, including examples of including or excluding property locations. The guide emphasizes that only error-free CRA submissions will result in accurate disclosure statements, and it confirms that there are no changes to CRA edits for the year 2025.