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Public Welfare Requirement

A bank’s investment under the regulation must meet at least one of the four following criteria: (1) it must primarily benefit low- and moderate-income individuals, (2) it must primarily benefit low- and moderate-income areas, (3) it must primarily benefit other areas targeted by a government entity for redevelopment, or (4) it must otherwise be considered a "qualified investment" under 12 CFR 25.23 (of the Community Reinvestment Act (CRA) regulation). Examples of investments that would meet the public welfare standard are listed under 12 CFR 24.6.

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