§__.21(a) – 1
Q: How will examiners apply the performance criteria?
A1. Examiners will apply the performance criteria reasonably and fairly, in accord with the regulations, the examination procedures, and this guidance. In doing so, examiners will disregard efforts by an institution to manipulate business operations or present information in an artificial light that does not accurately reflect an institution’s overall record of lending performance.
Source: Interagency Questions & Answers Regarding Community Reinvestment | July 2016