Each year, in order to help ensure that Low and Moderate income neighborhoods have access to financial services and loans, the U.S. Department of Housing and Urban Development (HUD) works with the Federal Financial Institutions Examination Council (FFIEC) to describe neighborhoods across the country by median family income. This data is used to determine the Income Level of each neighborhood relative to the MSA or non-MSA County in which it is located, represented by Census Tracts. These income levels are characterized as Low, Moderate, Middle and High income based on the income of a tract relative to the MSA or non-MSA county it is situated in, based on HUD annual estimates of income.
This shapefile created by RPM Consulting, LLC contains national coverage of census tracts using 2010 definitions and is generalized to 300 meter accuracy for a smaller file to support thematic mapping and general analysis. For detailed customer analysis, the \"detailed\" version of the file should be purchased instead. It can be used in any GIS to prepare paper and digital CRA maps. In conjunction with RPMs BranchInfo Banking Competitor Database, branch locations can be analyzed relative to Low and Moderate income areas, for analysis of Service and Lending Test performance and performance context.