§__.42(a) – 9
Q: Is an institution that has no small farm or small business loans required to report under CRA?
A9. Each institution subject to data reporting requirements must, at a minimum, submit a transmittal sheet, definition of its assessment area(s), and a record of its community development loans. If the institution does not have community development loans to report, the record should be sent with “0” in the community development loan composite data fields. An institution that has not purchased or originated any small business or small farm loans during the reporting period would not submit the composite loan records for small business or small farm loans.
Source: Interagency Questions & Answers Regarding Community Reinvestment | July 2016