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CRA Community Development - The Low Hanging Fruit is designed to teach you where to start trying to take credit for activities that your institution is already doing. I cover three methods to find more community development in affordable housing, community services, and economic development. We explore the use of proxies to leverage including HUD Fair Market Rents and free and reduced lunch programs to help document key aspects of community development requirements, as well as how to use SBA thresholds to maximize your economic development. This is part of my ISB CRA series to try to give community banks a fighting chance when the rules are skewed against them especially when it comes to CRA.