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pdfOMB Approval No. [1559-0051]
Paperwork Reduction Act Notice.
This submission requirements package is provided to Applicants for awards under the Small Dollar Loan Program (SDL
Program). Applicants are not required to respond to this collection of information unless it displays a currently valid Office
of Management and Budget (OMB) control number. The estimated average burden associated with this collection of
information is 72 hours per Applicant. Comments concerning the accuracy of this burden estimate and suggestions for
reducing this burden should be directed to the Program Manager, Small Dollar Loan Program, Department of the Treasury,
Community Development Financial Institutions Fund, 1500 Pennsylvania Avenue, Washington, D.C. 20220.
All materials are available on the CDFI Fund Website: www.cdfifund.gov.
Catalog of Federal Domestic Assistance Number: [21.025]
1
CONTENTS
Introduction ........................................................................................................................................................... 3
Applicant Eligibility................................................................................................................................................ 5
Eligible Uses of SDL Program Awards....................................................................................................................8
Performance Goals ................................................................................................................................................8
Application Submission Requirements and Deadlines .........................................................................................9
Application Attachments .................................................................................................................................... 11
Application Submission Deadlines ..................................................................................................................... 12
Forms and Certifications ..................................................................................................................................... 17
Small Dollar Loan Program Application ............................................................................................................. 19
Part 1: Market Need ........................................................................................................................................... 27
Part 2: Business Strategy and Community Impact ............................................................................................ 29
Part 3: Organizational Capacity .......................................................................................................................... 40
Appendix 1: Small Dollar Loan Products ............................................................................................................ 42
Appendix 2: Track Record and Planned Small Dollar Loan Program ................................................................ 45
Appendix 3: Key Personnel ................................................................................................................................. 50
Appendix 4: Previous CDFI Fund Awards ........................................................................................................... 52
Appendix 5: Application Financial Data Inputs .................................................................................................. 53
Appendix 5: Financial Data Glossary of Terms .................................................................................................... 87
Appendix 6: Compliance Evaluation Questions ................................................................................................. 88
Appendix 7: Forms and Certifications ................................................................................................................ 95
Appendix 8: Partnership Forms and Certifications .......................................................................................... 104
Appendix 9: Sample Management Letter ........................................................................................................ 107
2
Introduction
Capitalized terms (other than titles) are defined in the FY 2026 Small Dollar Loan Program (SDL Program) Notice of
Funds Availability (NOFA), the FY 2026 SDL Program Application Instructions, or the FY 2026 SDL Program Supplemental
Guidance and Frequently Asked Questions for Applicants. All of these documents may be downloaded from the CDFI
Fund’s website at www.cdfifund.gov. Certain terms used throughout the Application have meanings unique to the SDL
Program. The CDFI Fund encourages each Applicant to review the SDL Program NOFA and the Supplemental Guidance
to be familiar with these meanings, as well as other program requirements.
The Small Dollar Loan Program (SDL Program) is a program authorized by Title XII – Improving Access to
Mainstream Financial Institutions Act of the Dodd-Frank Wall Street Reform and Consumer Protection Act of
2010 (P.L. 111-203), which amended the Community Development Banking and Financial Institutions Act of
1994 (12 U.S.C. § 4719). The SDL Program is administered by the Community Development Financial Institutions
Fund (CDFI Fund). The purpose of the SDL Program is to provide grants to enable: (1) a Certified Community
Development Financial Institution (CDFI), or any partnership between a Certified CDFI and a Federally Insured
Depository Institution1 (FIDI) with a primary mission to serve targeted Investment Areas2, to establish or expand
a loan loss reserve (LLR) fund in order to defray the costs of a small dollar loan program established or
maintained by such institution; and (2) to provide grants for Technical Assistance (TA) to a Certified CDFI or any
partnership between or among Certified CDFIs to establish and maintain small dollar loan programs. SDL
Program Awards cannot be used to provide direct loans to consumers.
The legislation authorizing the SDL Program defines a small dollar loan program as one that offers small dollar
loans to consumers that meets the following statutory requirements:
a.
b.
c.
d.
are made in amounts of $2,500 or less;
must be repaid in installments;
have no prepayment penalty;
have payments that are reported to at least one of the consumer reporting agencies that complies and
maintains files on consumers on a nationwide basis; and
e. are underwritten with standards that consider the consumer’s ability to repay.
1
A “federally insured depository institution” is any insured depository institution as that term is defined in section 3 of the Federal Deposit Insurance Act
(12 U.S.C. § 1813) and any insured credit union as that term is defined in section 101 of the Federal Credit Union Act (12 U.S.C. § 1752). (12 U.S.C. § 4719)
2 The term ‘‘Investment Area” means a geographic area (or areas) including an Indian reservation that—
(A)(i) meets objective criteria of economic distress developed by the Fund, which may include the percentage of low-income families or the extent of
poverty, the rate of unemployment or underemployment, rural population outmigration, lag in population growth, and extent of blight and disinvestment;
and (ii) has significant unmet needs for loans or equity investments; or
(B) encompasses or is located in an empowerment zone or enterprise community designated under section 1391 of the Internal Revenue Code of 1986.
(12 U.S.C. 4702(16))
3
SDL Program funding is intended to help expand consumer access to mainstream financial institutions and
provide alternatives to high-cost small dollar loans. It is also intended to help unbanked and underbanked
populations build credit, access affordable capital, and allow greater access to the mainstream financial system.
Getting Started
The SDL Program provides LLR and TA Awards through a competitive Application process. To understand the
requirements of the SDL Program, including eligible uses of Awards, an Applicant should review the FY 2026 SDL
Program NOFA and additional guidance and instructions posted on the CDFI Fund’s website.
This guidance document provides Applicants with instructions and tips on the narrative questions, data inputs,
and required attachments for the FY 2026 SDL Program Application. This guidance is intended to be used in
conjunction with additional Application materials, all of which are available on the CDFI Fund’s website.
Please be aware that the CDFI Fund reserves the right to request supplemental documentation verifying any of
the information submitted in the FY 2026 SDL Program Application. If selected for an SDL Program Award, the
Applicant should also be aware that any of the information submitted in its Application may be incorporated as
a requirement in its Assistance Agreement.
Note about the Awards Management Information System (AMIS): AMIS is the CDFI Fund’s web-based portal that all
Applicants must use to create, complete, and submit required Application documents. This guidance document does not
contain instructions for entering Application information into AMIS. For technical instructions on how to use AMIS,
please refer to the FY 2026 AMIS Training Manual for Small Dollar Loan Program.
This document is a reference tool only, and Applicants must enter their responses to the narrative questions and data
entry fields in the AMIS Application. All attachments must also be attached in the AMIS Application.
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Applicant Eligibility
At the time that an entity submits its Application, it must be a duly organized and validly existing legal entity
under the laws of the jurisdiction (including a Tribal jurisdiction) in which it is incorporated or otherwise
established.
Eligible Applicants will be required to meet the following:
1.
For LLR grants
a. a Certified Community Development Financial Institution (CDFI); or
b. a partnership between:
i. a Certified CDFI; and
ii. a Federally Insured Depository Institution (FIDI) with a primary mission to serve targeted
Investment Areas.
2. For TA grants
a. a Certified CDFI; or
b. a partnership between two or more Certified CDFIs.
3. For both an LLR grant and TA grant
a. a Certified CDFI
Eligible Applicants can submit only one SDL Program Application and therefore will need to determine if they
are applying for an LLR grant, a TA grant, or both.
For purposes of this Application, the term “Applicant” refers to 1) an organization applying on its own as a
Certified CDFI or 2) the designated lead Certified CDFI applying on behalf of a partnership. The Applicant must
use the SDL Program Award to establish or maintain a small dollar loan program. In the case of a partnership,
the lead Certified CDFI must use the SDL Program Award to establish or maintain a small dollar loan program.
SDL Program Awards will not be eligible for small dollar loan programs and products that have the prohibited
lending practices and loan characteristics listed in the FY 2026 SDL Program NOFA. As part of the application
process, all Applicants must attest that their small dollar loan program will not engage in these prohibited
practices for continued eligibility in order to complete their Application.
Certified CDFI Status
Applicants must be certified as a CDFI by the CDFI Fund by the date the FY 2026 SDL Program NOFA is published
in the Federal Register.
For Applicants applying as a partnership between a Certified CDFI and a FIDI, the FIDI partner is not required to
be a Certified CDFI. The FIDI partner will be required to complete the Qualified Federally Insured Depository
Institution Partnership Attestation Form (see Appendix 8) attesting that it has a primary mission to serve
targeted Investment Areas as part of the AMIS online Application submission.
Additional Guidance for Applicants Applying as Partnerships
The following provides additional guidance for Applicants applying as a partnership. Applicants should review
the eligibility criteria outlined in Table 5 of the FY 2026 SDL Program NOFA.
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The partnership must designate a lead Certified CDFI of the partnership that will submit the Application. This
designated lead Certified CDFI will also submit a Partnership Agreement (see Appendix 8) detailing, at a
minimum, the roles and responsibilities of the partners, partner replacement or substitution restrictions, any
financial contributions and profit sharing arrangements, and performance requirements of the entities in the
partnership.
If the partner of the Lead Applicant is a FIDI, the partnership may apply for an LLR Award. If the partner is a
Certified CDFI, the partnership may apply for a TA Award. A partner may not apply for its own Award under the
FY 2026 SDL Program funding round or apply as a partner for more than one Application submitted under the FY
2026 SDL Program funding round.
A partnership is a formal arrangement, as evidenced by a written Partnership Agreement between a Certified
CDFI and a FIDI or between two or more Certified CDFIs. The partnership must be designed to accomplish one or
more of the strategies discussed in the Business Strategy and Community Impact section of the SDL Applicant’s
Application and be integral to the successful execution of the Applicant’s strategy. The partnership should be
such that the Applicant’s strategy would not be achievable without the direct input and/or assistance of the
partner.
An Applicant that collaborates or coordinates with a FIDI or a CDFI to achieve the SDL Program strategy detailed
in the Application is not required to apply as a partnership. Applicants that apply as a partnership will be
evaluated based on the same criteria as Applicants that apply without a partnership.
If selected to receive an SDL Program Award, the lead Certified CDFI Recipient will be solely responsible for
carrying out the activities described in its Application and complying with the terms and conditions of the
Assistance Agreement. The partner(s) will not be a co-Recipient of the Award. As such, the lead Certified CDFI
Recipient will be prohibited from using the SDL Program Award to fund any activity carried out directly by the
partner or an Affiliate or Subsidiary thereof. Examples of partnerships include the following:
Applying as a Partnership
Example 1: ABC Certified CDFI has a strategic goal of increasing its small dollar lending by X% over X years. ABC
Certified CDFI will request an SDL Program Award for LLR to mitigate losses on the small dollar loans it provides
as it seeks to expand its small dollar loan program. ABC Certified CDFI has a Partnership Agreement in place with
a local FIDI in which the FIDI will refer all small dollar loan candidates to ABC Certified CDFI to expand ABC
Certified CDFI’s small dollar loan program. ABC Certified CDFI will explain in its narrative and Partnership
Agreement how an SDL LLR Award and the referrals from the local FIDI partner will ensure that its strategic goal
of increasing small dollar lending is achieved.
Example 2: XYZ Certified CDFI has a strategic goal to provide a new small dollar loan product. XYZ Certified CDFI
will request an SDL Program Award for TA to upgrade its technology systems to support a new small dollar loan
product. XYZ Certified CDFI has a Partnership Agreement in place with a Certified CDFI that will provide free
financial counseling services to the XYZ Certified CDFI’s small dollar loan Applicants. XYZ Certified CDFI chooses
to apply as a partnership with the Certified CDFI as its partner. XYZ Certified CDFI will explain in its narrative and
Partnership Agreement how an SDL TA Award, and the financial counseling provided to potential borrowers, will
support the growth of the new small dollar loan program.
Additional guidance on how Applicants applying with a partner should address the partnership in the narrative
questions of the Application is provided for applicable narrative questions.
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Note: A Certified CDFI Depository Institution Holding Company Applicant that intends to carry out the activities
of an Award through its Subsidiary Certified CDFI Insured Depository Institution should not apply as a
partnership. Instead, the Certified CDFI Depository Institution Holding Company should apply as a sole entity.
Prior CDFI Fund Recipients or Allocatees
The SDL Program NOFA includes specific compliance eligibility requirements for Applicants that are prior Award
Recipients or Allocatees under other CDFI Fund programs.
Pending Compliance Status
If an Applicant is a prior CDFI Fund Award Recipient or Allocatee under any CDFI Fund program that: (i) has
demonstrated it is noncompliant with or in default of a previous Assistance Agreement, Award Agreement,
Allocation Agreement, Bond Loan Agreement, or Agreement to Guarantee and, (ii) the CDFI Fund has yet to make
a final determination as to whether the entity is in noncompliance with or in default of its previous agreement,
the CDFI Fund will consider the Applicant’s Application pending full resolution, in the sole determination of the
CDFI Fund.
Noncompliance or Default Status
The CDFI Fund will not consider an Application submitted by an Applicant (or Affiliate of such Applicant) that is a
prior CDFI Fund Award Recipient or Allocatee under any CDFI Fund program if, as of the Application deadline: (i)
the CDFI Fund has made a final determination that such Applicant is in noncompliance with or in default of a
previously executed Assistance Agreement, Award Agreement, Allocation Agreement, Bond Loan Agreement, or
Agreement to Guarantee, and (ii) the CDFI Fund has provided written notification that such entity is ineligible to
apply for or receive any future CDFI Fund awards or allocations for a specified time period. Such entities will be
ineligible to submit an Application for such time period as specified by the CDFI Fund in writing.
NOTE: Applicant entities must meet the eligibility requirements on their own behalf and may not rely on any
Affiliates or Subsidiaries to meet these requirements.
Other Applicant Eligibility Criteria: Please refer to the FY 2026 SDL Program NOFA, particularly Section III, for
additional information on Applicant eligibility.
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Eligible Uses of SDL Program Awards
SDL Program LLR and TA Awards are tools that can help an organization establish and expand a small dollar loan
program to provide an alternative to high-cost small dollar loans. It is important to have a clear idea of how an
organization would like to use its Award before beginning the Application. Applicants should start by reading the
FY 2026 SDL Program NOFA to determine if the Applicant is eligible to apply for an Award and determine the
dollar amount the Applicant may request for a LLR and/or TA Award. As part of the Application, Applicants will
need to provide the CDFI Fund with a clear narrative on how an Award will benefit the Applicant’s small dollar
loan program and meet community needs.
Loan Loss Reserves Awards
LLR Awards may be used to mitigate losses on a new or established small dollar loan program.
Applicants that are either (1) a Certified CDFI or (2) any partnership between a Certified CDFI and a FIDI with a
primary mission to serve targeted Investment Areas are eligible to apply for an LLR Award.
Technical Assistance Awards
TA Awards may be used for technology, staff support, and other costs associated with establishing or
maintaining a small dollar loan program.
If your organization is selected for a TA Award, it will be restricted to using the Award funds for eligible
activities. The eligible activities are outlined in the FY 2026 SDL Program NOFA. The CDFI Fund recommends that
you review the eligible activities carefully before starting your Application.
Applicants that are either (1) a Certified CDFI or (2) any partnership between or among Certified CDFIs are
eligible to apply for a TA Award.
Combination of Loan Loss Reserves and Technical Assistance Awards
A Certified CDFI applying on its own (not part of a partnership) is eligible to apply for both an LLR and a TA
Award.
Performance Goals
Applicants will be held to specific Performance Goals (PGs) in the Assistance Agreement if selected to receive an
SDL Program Award. The PGs, based on the Application inputs, will align with the organization’s goals for its SDL
Program Award (such as to expend the SDL Program Award on eligible activities and close a specific amount of
small dollar loans). The PGs will be determined, in part, by the information that is provided in Appendix 2. If an
Applicant is selected to receive an SDL Program Award, it will need to meet annual performance goals to remain
compliant with its Award.
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How the SDL Program Application is Organized
There are three components that must be completed as part of the SDL Program Application:
1. The Standard Form-424 (SF-424) (submitted through Grants.gov). This form is required to be submitted
in Grants.gov by the applicable deadline identified in the NOFA. Applicants will not be able to submit
their SDL Program Application without submitting the SF-424 by the deadline.
All Applicants must first have an active System for Awards Management (SAM) account to submit the SF424 via Grants.gov. In cases where the Applicant is applying as a Partnership, the designated lead
Certified CDFI Applicant must have a SAM account.
2. The Title VI Compliance Worksheet (submitted through AMIS). The Title VI Compliance Worksheet is a
CDFI Fund requirement and must be submitted via AMIS by the applicable deadline in the NOFA.
Applicants must be compliant with federal civil rights requirements to be eligible to receive federal
financial assistance awards from the CDFI Fund. This requirement applies to Applicants, as well as their
prospective subrecipients that are not direct beneficiaries of federal financial assistance (e.g.,
Depository Institutions Holding Company and their Subsidiary Depository Institutions). The CDFI Fund’s
Title VI Compliance Worksheet Training Manual and additional information regarding this requirement is
available on the CDFI Fund website: Title VI Compliance Worksheet Training Manual.
3. The SDL Program Application (submitted through AMIS). The SDL Program Application contains the
organization’s responses and must be submitted through the CDFI Fund’s Awards Management
Information System (AMIS) by the applicable deadline in the NOFA. The SDL Program Application will ask
for information about the organization, such as the organization’s financial data; the small dollar loan
products and development services it currently provides (if applicable); and the organization’s objectives
for the SDL Program Award.
For Applicants applying as a partnership, the designated lead Certified CDFI Applicant for each
partnership must submit the Application through AMIS.
Application Materials
Applicants are strongly encouraged to review all SDL Program Application materials on the CDFI Fund’s website.
Applicants should closely review the FY 2026 SDL Program NOFA for eligibility, key deadlines, and other
requirements for SDL Program Applicants. The CDFI Fund may add Application materials to the website on a
rolling basis. Please note that some Application materials may be posted after the release date of the NOFA and
the Application Instructions.
Application Submission Requirements and Deadlines
The submission deadlines for the FY 2026 SDL Program Application are published in the NOFA and reproduced in
Table 2 below. Please note the different submission deadlines for materials that must be submitted
electronically through Grants.gov and those that must be submitted through AMIS. This Application Instructions
document serves only as a guide for completing the SDL Program Application documents, and this document is
not meant to be submitted via Grants.gov or AMIS.
A complete FY 2026 SDL Program Application must include submission of each part listed in the table below:
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Table 2 – Application Components
Application Component
Submission Method
Required?
SF-424 Mandatory Form (Application for Federal
Assistance):
• All Applicants are required to have an active
System for Award Management (SAM)
account to submit the SF-424 through
Grants.gov.
• For Applicants applying as a partnership, the
designated lead Certified CDFI Applicant for
each partnership must first have an active
SAM account to submit the SF-424 via
Grants.gov.
CDFI Fund Title VI Compliance Worksheet:
All Applicants applying for an SDL Program Award
are required to submit a CDFI Fund Title VI
Compliance Worksheet to the CDFI Fund ANUALLY.
SDL Program Online Application Form
Includes Attachments (listed below), Assurances
and Certifications, Environmental Review Form,
and 501(c)4 Questionnaire (if applicable).
Submit electronically via
Grants.gov
Required for All
Applicants
Submit electronically via
AMIS
Required annual
submission for All
Applicants3
Submit electronically via
AMIS
Required for All
Applicants
3
This requirement also applies to Applicants’ prospective sub-recipients that are not direct beneficiaries of federal financial assistance (e.g., Depository
Institutions Holding Company and their Subsidiary Depository Institutions).
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Application Attachments
A complete FY 2026 SDL Program Application must include submission of each part listed in the table below:
Table 2 – Application Attachments
APPLICATION ATTACHMENTS
Audited Financial Statements for the Applicant’s
two (2) most recently completed fiscal years,
prior to the publication date of the NOFA (for
additional guidance see FAQ).
Externally reviewed Unaudited Financial
Statements for Applicant’s Two Most Recent
Historic Years. Required only if Audited Financial
Statements are not available.
Submission Method
Submit electronically via
AMIS
Submit electronically via
AMIS
Current Year to Date - Unaudited Financial
Statements
Submit electronically via
AMIS
Year-end Call reports for Applicant’s two most
recently completed fiscal years prior to the
publication date of the NOFA (for additional
guidance see FAQ)
Submit electronically via
AMIS
Management Letter4 for the Applicant’s Most
Recent Historic Fiscal Year, if available
A Qualified Federally Insured Depository
Institution (FIDI) Partnership Attestation Form
demonstrating that the FIDI has a primary mission
of serving targeted Investment Areas (see
Appendix 8)
A Partnership Agreement between a Certified
CDFI and FIDI that has a primary mission of
serving targeted Investment Areas applying for an
LLR Award or a partnership between two or more
Certified CDFIs applying for a TA Award detailing
the terms of their partnership to establish or
maintain a small dollar loan program (see
Appendix 8)
Submit electronically via
AMIS
Submit electronically via
AMIS
Submit electronically via
AMIS
4
Required?
Required only for Loan
funds, venture capital
funds, and other NonRegulated Institutions
Required only for Loan
funds, venture capital
funds, and other NonRegulated Institutions
Required only for Loan
funds, venture capital
funds, and other NonRegulated Institutions
Required only for
Regulated Institutions
Required only for Loan
funds, venture capital
funds, and other NonRegulated Institutions if a
Management Letter for
the most recent Historic
Fiscal Year was issued
Required only for a FIDI
that is applying as a
partnership with a
Certified CDFI for an LLR
Award.
Required only for: (1) a
FIDI and a Certified CDFI
applying as a partnership
for a LLR Award; and (2)
two or more Certified
CDFIs that are applying as
a partnership for a TA
Award.
The Management Letter is prepared by the Applicant’s auditor and is a communication regarding internal control over financial reporting, compliance,
and other matters. Please review the sample Management Letter in Appendix 9. The Management Letter contains the auditor’s findings regarding the
Applicant’s accounting policies and procedures, internal controls, and operating policies, including any material weaknesses, significant deficiencies, and
other matters identified during an audit. The Management Letter may include suggestions for improving identified weaknesses and deficiencies and/or
best practice suggestions for items that may not be weaknesses or deficiencies. The Management Letter may also include items that are not required to be
disclosed in the annual Audited Financial Statements. The Management Letter is different than the auditor’s Opinion Letter, which is required by Generally
Accepted Accounting Principles (GAAP). Management Letters are not required by GAAP and are sometimes provided by the auditor as a separate letter
from the Audit itself. The Management Letter requested here is NOT a letter from the Applicant to its auditor, nor is it an introductory letter from an
auditor. If you are an Applicant that did not receive a separate Management Letter from your auditor regarding internal controls, policies, and
procedures, as defined in the NOFA and clarified further here, you are not required to submit a Management Letter.
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APPLICATION ATTACHMENTS
An organizational chart demonstrating the
relationship between the Applicant and any
Affiliate, Subsidiary or parent entity that will play
a role in executing the SDL Program Award.
Submission Method
Required?
Submit electronically via
AMIS
Required for Applicants if
an Affiliate, Subsidiary or
parent will play a role in
executing the strategy in
the Application.
Application Submission Deadlines
The submission deadlines for the FY 2026 Application are listed in Table 3 below. Please note the different
submission deadlines for materials that must be submitted through Grants.gov and those that must be
submitted through AMIS.
Table 3 - FY 2026 SDL Program Funding Round Deadlines
Description
SF-424 Mandatory Form
Create an AMIS Account (if
the Applicant does not
already have one)
Enter EIN and UEI number in
AMIS Account
Title VI Compliance
Worksheet
SDL Program Online
Application and Required
Attachments
Deadline
Time (Eastern Time –
ET)
Xxx xx, 2025
11:59 p.m. ET
Electronically via Grants.gov
Xxx xx, 2025
11:59 p.m. ET
Electronically via AMIS
Xxx xx, 2025
11:59 p.m. ET
Electronically via AMIS
Xxx xx, 2025
11:59 p.m. ET
Electronically via AMIS
XXX xx, 2025
11:59 p.m. ET
Electronically via AMIS
12
Submission Method
Contacting the CDFI Fund, SAM, and Grants.gov
The CDFI Fund will respond to Application-related questions between the hours of 9:00 a.m. and 5:00 p.m. ET,
through Xxx xx, 2025 (two business days before the AMIS Application deadline). The CDFI Fund will not respond
to phone calls, program-related Service Requests, or email inquiries that are received after 5:00 p.m. ET on Xxx
xx, 2025. The CDFI Fund will respond to technical issues related to AMIS through 5:00 p.m. ET on Xxx xx, 2023.
Please note that these phone numbers are not toll-free numbers.
Table 4 – CDFI Fund Contact Information
Type of
Preferred Method
Question
SDL Program
Submit a Service Request in AMIS
Compliance
Monitoring
and Evaluation
CDFI
Certification
AMIS – IT Help
Desk
Telephone
Email addresses
sdlp@cdfi.treas.gov
Submit a Service Request in AMIS
202-653-0421,
option 1
202-653-0421
Submit a Service Request in AMIS
202-653-0421
ocpecert@cdfi.treas.gov
Submit a Service Request in AMIS
202-653-0422
AMIS@cdfi.treas.gov
ccme@cdfi.treas.gov
If an Applicant has any questions related to the registration or submission process in Grants.gov or SAM.gov, it
should contact these systems directly. Contact information can be found on their websites. The CDFI Fund does
not manage Grants.gov or SAM.gov and is unable to respond to any questions related to these systems.
Table 5 – Contacting SAM and Grants.gov
System
System for Awards Management
(SAM)
Grants.gov
Website
Phone
Email
https://www.sam.gov
866-6068220
See website
https://www.grants.gov
800-5184726
support@gr
ants.gov
13
Service Requests
A Service Request is the preferred way to contact the CDFI Fund about your Application. To submit a Service
Request, you need an AMIS user account. Log into AMIS and click on “Service Requests” tab on the top; then,
click on “Create New Service Request” button. For an SDL Program Application question, select “SDLP” for the
program and clearly state the topic in the subject line. For a CDFI Certification question, select “Certification.”
For a Compliance question, select “Compliance & Reporting.” For Information Technology, select “Technical
Issues.” Failure to select the appropriate program for the Service Request could result in a delayed response to
your question.
Grants.Gov: Grants Application (SF-424 Mandatory Form) Instructions
In accordance with federal regulations, the CDFI Fund requires Applicants to submit the initial component of
their FY 2026 SDL Program Application using the Grants.gov portal, the official website for federal grant
information and Applications. The Grants.gov registration process alone can take several days to complete.
Contact the Grants.gov support staff if you have any questions about the process. The Grants.gov help desk can
be reached at 1-800-518-4726 or via email at support@grants.gov. If you experience any technical difficulties
submitting the (SF)-424 form via Grants.gov, do not contact the CDFI Fund. Contact the Grants.gov help desk
instead.
The only component of the SDL Program Application submitted via Grants.gov is the Standard Form (SF)-424
Mandatory Form. The SF-424 Mandatory Form (SF-424) is required for all Applicants. The purpose of the SF-424
is to collect basic information about the Applicant and the proposed project; including a projected budget.
Electronically signing and submitting the SF-424 Mandatory Form certifies that the Applicant certifies that the
Applicant complies with the Assurances and Certifications. The Assurances and Certifications are provided in
Appendix 8 of this document. Details for completing the SF-424 Mandatory Form are provided below.
The SF-424 Mandatory Form is located in the “Mandatory Documents” box of the downloaded Grant Application
Package in Grants.gov. To access the form, select SF- 424 Mandatory, then click on the “Move Form” to
“Complete” button. The SF- 424 Mandatory will move to the “Mandatory Documents for Submission” box. Click
on the “Open Form” button to open basic information about the applicant.
Match your UEI and EIN Numbers: Applicants’ AMIS record and Grants.gov record are linked by the
Organizational UEI (Field 7.c) and Employer/Taxpayer Identification Number (Field 7.b). Please ensure these
numbers match in both systems to ensure that AMIS will be able to retrieve the SF-424 from Grants.gov.
For Applicants applying as a partnership, the designated lead Certified CDFI Applicant for each partnership’s
AMIS record and Grants.gov record is linked by the Organizational UEI (Field 7.c) and Employer/Taxpayer
Identification Number (Field 7.b.). Please ensure these numbers match in both systems to ensure that AMIS will
be able to retrieve the SF-424 from Grants.gov.
Grants.gov Submission Information
Each Applicant will receive an email from Grants.gov immediately after submitting their SF-424 confirming that
the submission has been recorded in the Grants.gov system. This email will contain a tracking number for the
submitted SF-424. Within 48 hours, the Applicant will receive a second email which will indicate if the submitted
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SF-424 was either successfully validated or rejected with errors. However, Applicants should not rely on the
email notification from Grants.gov to confirm that their SF-424 was validated. Applicants are strongly
encouraged to use the tracking number provided in the first email to closely monitor the status of their SF-424
by checking Grants.gov directly. The SF-424 will not be officially accepted by the CDFI Fund until Grants.gov has
validated the SF-424. In the Grants.gov Workspace function, please note that the Application package has not
been submitted if you have not received a tracking number.
AMIS Application Instructions
Registering an Organization in AMIS
All SDL Program Applicants in the FY 2026 Round must ensure that their organization (and partnership
organization if the Applicant type is a partnership) is registered in AMIS by the deadline in Table 3. The Applicant
organization registered in AMIS must be the same one that submitted the SF-424 through Grants.gov, and the
EIN and UEI number on the SF-424 must match the EIN and UEI number in the organizational information in
AMIS. Organizations who have previously applied for CDFI Fund programs through AMIS likely already meet this
requirement but should verify that their information is accurate in AMIS prior to the deadline.
For Applicants applying as a partnership, the designated lead Certified CDFI Applicant for each partnership must
ensure that their organization is registered in AMIS by the deadline in Table 3. The lead designated Certified
CDFI Applicant organization registered in AMIS must be the same one that submitted the SF-424 through
Grants.gov, and the EIN and UEI number on the SF-424 must match the EIN and UEI number in the
organizational information in AMIS. Organizations that have previously applied for CDFI Fund programs through
AMIS likely already meet this requirement but should verify that their information is accurate in AMIS prior to
the deadline.
Applicants for the FY 2026 SDL Program Round that do not already have their organization registered in AMIS
must complete organization registration by the deadline in Table 3. Instructions for registering an organization
in AMIS can be found in the “Getting Started – Navigating AMIS” Training Manual on the CDFI Fund’s AMIS
website: https://amis.cdfifund.gov/s/Training.
15
AMIS Application Overview
The remainder of this document provides the full question text and related guidance for the information that
should be entered into the SDL Program Application in AMIS. For technical details on how to use and navigate
AMIS, see the “SDL Program AMIS Application Navigation Guide” at https://amis.cdfifund.gov/s/Training. This
manual will be available after the Application is opened in AMIS.
In order to facilitate the crosswalk between the online AMIS Application and this Question Text/Guidance
document, here are a few tips:
•
Prepare narrative responses to questions outside of AMIS. Once your narratives are finalized, you can
copy and paste the final versions into the appropriate fields in AMIS.
•
Verify that all information is accurate prior to submitting the Application and required attachments
through AMIS. The CDFI Fund will not accept any revisions or amendments to the SDL Program
Application once it has been submitted.
Please be sure that all data entered into AMIS is accurate and complete. As part of the SDL Program Application
review process, information entered in AMIS will be used to score and rank the Applicants (as outlined in the FY
2026 NOFA). Applicants will not be able to revise information entered into AMIS after Application submission.
Failure to provide complete and accurate information may negatively impact the evaluation of an Applicant’s FY
2026 SDL Program Application. The CDFI Fund reserves the right to reject an Application if information
submitted through AMIS is determined to be inaccurate.
In order to facilitate the crosswalk between this Application guidance document and AMIS, each Application
question in this document will be presented in a Table that contains the following information:
•
Full question text
•
Response Options
•
Notes/guidance relevant to that specific question or sub-question
•
AMIS Field Type
AMIS Field Types
Below is an overview of the eight field types you will encounter in completing the Application in AMIS.
•
•
•
•
•
Auto-populated: These fields will be automatically populated in AMIS based on other data inputs. No
data entry is required for fields that are marked “auto-populated.”
Currency: These fields allow the Applicant to enter currency data points and have a dollar sign in front.
For example, Award Request Amount: $125,000.
Look-up: These fields allow the Applicant to search and select from existing data in AMIS. For example,
when entering geographic areas, the Applicant can “look-up” counties or states.
Narrative: These fields allow the Applicant to enter text (non-numeric data). These fields will also have a
character limit as indicated in each question.
Numeric: These fields allow the Applicant to enter a number (that is not a dollar figure or a percentage).
For example, the number of hours to complete the Application: 100.
16
•
•
Percentage: These fields allow the Applicant to enter a percentage. For example, the estimated interest
rate of the small dollar loans that will be offered to borrowers will be 18%.
Picklist: These fields allow the Applicant to select an option from a suite of choices (e.g., a dropdown of
“Yes” or “No”).
Updating Organization’s SDL Program Profile and Creating an AMIS Application
Once the organization is registered in AMIS, the next step in completing the AMIS Application is to ensure that
the organization’s SDL Program Profile is up to date. The organization can navigate to its SDL Program Profile
from its Organization Page in AMIS. Click on the Program Profile Name to navigate to the SDL Program Record
Type.
For Applicants applying as a partnership: The designated lead Certified CDFI Applicant for each partnership must
first be registered in AMIS. The next step in completing the AMIS Application is to ensure that the designated
lead Certified CDFI Applicant for each partnership’s SDL Program Profile is up to date. You can navigate to your
SDL Program Profile from your Organization Page in AMIS. Click on the Program Profile Name to navigate to the
SDL Program Profile Detail page.
Linking SF-424 to AMIS Application
After your SF-424 Mandatory Form is accepted in Grants.gov, a copy of the form will automatically be
transferred into your Organization Profile in AMIS. The Applicant must then link the SF-424 to its SDL Program
Application. Applicants’ AMIS record and Grants.gov record is linked by the Organizational UEI (Field 7.c). Please
ensure these numbers match in both systems to ensure that AMIS will be able to retrieve the SF-424 from
Grants.gov. Applicants are strongly encouraged to link their SF-424 Form in the AMIS Application prior to
proceeding with other sections of the Applications. For detailed instructions on how to do this, please refer to
the SDL Program AMIS Application Navigation Guide at https://www.cdfifund.gov/programstraining/programs/sdlp/apply-step .
Linking Title VI Compliance Worksheet to AMIS Application
After the Title VI Compliance Worksheet is completed in AMIS, the Applicant must then link the Title VI
Compliance Worksheet to its SDL Program Application. Depository Institution Holding Company (DHIC)
Applicants that intends to carry out the activities of an SDL Program Award through its Subsidiary Certified CDFI
Insured Depository Institution (Bank Subsidiary) must ensure that the Title VI Compliance Worksheet is
complete for both the DHIC Applicant and the Bank Subsidiary by the AMIS Application submission deadline.
Note, you will only be able to link the Title VI Compliance Worksheet for the DHIC Applicant to the SDL Program
Application. After the submission deadline, the CDFI Fund will verify whether the Title VI Compliance Worksheet
was submitted for the Bank Subsidiary as well. For detailed instructions on how to do this, please refer to the
SDL Program AMIS Application Navigation Guide at https://www.cdfifund.gov/programstraining/programs/sdlp/apply-step.
Forms and Certifications
All SDL Program Applicants must complete the Environmental Review Form and Assurances and Certifications as
part of their AMIS online Application submission. Any Applicant that is a 501(c)(4) must also complete the
17
501(c)(4) Form as part of its AMIS online Application submission. The Applicant will complete these forms by
entering data in the Applicant Information screen in AMIS. For the full text and questions for the Environmental
Review Form, Assurances and Certifications, and 501(c)(4) Questionnaire, see Appendix 7. If an Applicant is
unable to respond “Yes” to all Assurances and Certifications, it must attach a statement that contains an
explanation.
STOP: If you have not completed the Getting Started steps, go back and finish them before creating an SDL
Program Application. They are necessary for a complete Application package!
Detailed instructions on how to launch and complete the AMIS Application is provided in the FY 2026 AMIS
Training Manual for Small Dollar Loan Program Applicants on the CDFI Fund’s website. Read on for additional
information and guidance on the SDL Program Application questions.
18
Small Dollar Loan Program Application
Applicant Information
If applying as a partnership, all Application questions and data supplied relate only to the designated lead
Certified CDFI.
The first section in the Application is the Organization and Application Information section. Certain information in
these questions may be auto-populated in AMIS based on data from the Applicant’s Organizational Profile. If you
need to edit any of the auto-populated fields, you must edit the information directly from the Organizational
Profile.
Question 1 – Organization Information
All fields in this question except for Questions 1p and 1q are auto-populated in AMIS based on the Applicant’s AMIS
Organizational Profile. If you need to edit the auto-populated information in these fields, you need to do so in the
Organizational Profile. You will not be able to edit auto-populated fields in the Application itself.
Question Text
Response
Notes
Field Type
a.
Organization Name
Autopopulated
Organization name of the Certified CDFI Applicant will be
auto populated. This must be the formal name of the
organization as it appears on all relevant legal documents
such as the Articles of Incorporation. Please make sure
punctuation, capitalization and spelling are correct. If the
name that is currently listed in this field is not the
organization’s legal name, please contact the CDFI Fund
through a Service Request.
Autopopulated
__ A Certified
CDFI
b.
SDL Program Applicant Type
__ A
Partnership
between a
Certified CDFI
and federally
insured
depository
institution
SDL Program Applicant Type will auto-populate based on
your selection on the Eligibility form.
Autopopulate
__ A
Partnership
between two
or more
Certified CDFIs
c.
Application Type
Autopopulated
Application Type will populate based on your selection
when creating a new Application: LLR Only; TA Only; and LLR
& TA (Combo) Application.
19
Autopopulated
Question Text
Response
Notes
Field Type
d. Address
Autopopulated
If the address populating in this field is not correct, the
Applicant will need to change it in the organizational record
in AMIS.
Autopopulated
e. Organization Type
Autopopulated
This field will indicate whether the Applicant is a regulated
institution. If the information populating in this field is not
correct, the Applicant will need to change it in the
organizational record in AMIS.
Autopopulated
f. Financial Institution Type
Autopopulated
Entity type of the Certified CDFI will be auto-populated (e.g.,
bank/thrift, bank holding company, cooperativa, credit
union, loan fund, venture capital.)
Autopopulated
g. Organization Structure
Autopopulated
This field will indicate whether the Applicant is a non-profit
or for-profit. If the information populating in this field is not
correct, the Applicant will need to change it in the
organizational record in AMIS.
Autopopulated
h. Certification Number
Autopopulated
If the Certification number populating in this field is not
correct, the Applicant will need to change it on its
organizational record in AMIS.
Autopopulated
i. Name of Regulator
Autopopulated
Applicable for Applicants that are federally insured banks,
thrifts, or credit unions.
Autopopulated
j. FDIC Certificate #/NCUA
Charter #/ COSSEC #, if
applicable
Autopopulated
Applicable for Applicants that are federally insured
depository institutions.
Autopopulated
This field will populate as “Yes” or “No”. If the information
populating in this field is not correct, the Applicant will need
to change it in the organizational record in AMIS.
Applicable to Applicants that are an institution classified by
the FDIC or NCUA as a Minority Depository Institution as
defined by the FDIC or NCUA. See:
k. Minority Depository
Institution (MDI)
Autopopulated
FDIC
https://www.fdic.gov/regulations/resources/minority/mdidefinition.html
AutoPopulated
NCUA
https://www.ncua.gov/support-services/credit-unionresources-expansion/resources/minority-depositoryinstitution-preservation/mdi
l. Employer Identification
Number (EIN)
Autopopulated
Must match what’s on your SF-424 in Grants.gov. If the
information populating in this field is not correct, the
Applicant will need to request to change it in the
20
Autopopulated
Question Text
Response
Notes
Field Type
organizational record in AMIS by submitting a Service
Request.
m. Unique Entity Identifier (UEI)
Number
Autopopulated
Must match what is on the Applicant’s SF-424 in Grants.gov.
If the information populating in this field is not correct, the
Applicant will need to request to change it in the
organizational record in AMIS by submitting a Service
Request.
Autopopulated
n. Applicant’s Date of
Incorporation
Autopopulated
If the information populating in this field is not correct, the
Applicant will need to change it in the organizational record
in AMIS.
Autopopulated
o. Applicant’s fiscal year end
Autopopulated
The organization’s fiscal year end. If the information
populating in this field is not correct, the Applicant will need
to change it in the organizational record in AMIS.
Autopopulated
________
If the Applicant is a Certified CDFI Depository Institution
Holding Company that intends to carry out the activities of a
SDL Program Award through its Subsidiary Certified CDFI
Insured Depository Institution, it must identify the EIN of
this Subsidiary Certified CDFI Insured Depository Institution.
For this field, the Applicant will enter the EIN of the
Subsidiary Certified CDFI Insured Depository Institution.
Numeric
_________
If the Applicant is a Certified CDFI Depository Institution
Holding Company that intends to carry out the activities of a
SDL Program Award through its Subsidiary Certified CDFI
Insured Depository Institution, it must identify the name of
this Subsidiary Certified CDFI Insured Depository Institution.
For this field, the Applicant will enter the EIN of the
Subsidiary Certified CDFI Insured Depository Institution.
Text
p. EIN of the Certified CDFI
Depository Institution Holding
Company (DIHC) Subsidiary
Certified CDFI Insured
Depository Institution
q. Name of the Certified CDFI
Depository Institution Holding
Company (DIHC) Subsidiary
Certified CDFI Insured
Depository Institution
Question 2 – States/Territories to Be Served with the SDL Program Award
For informational purposes, please identify up to 15 states and/or territories in which your organization plans to
deploy its SDL Program Award (if selected).
Question Text
Response
Notes
Field Type
Identify the specific
states/territories where the
Applicant will deploy its SDL
Program Award (if selected).
Look-up
In the search field, select up to 15 states/territories in which
you plan to deploy your SDL Program Award (if selected).
21
Look-up
Question 3 – Affiliate/Subsidiary Organizations
Question Text
Response Notes
a. Does the Applicant
have any Affiliates or
Subsidiaries that are also
applying for an SDL
Program Award in the
same funding round?
b. If the Applicant is
applying with a
partner(s), does the
partner(s) have any
Affiliates or Subsidiaries
that are also applying
for an SDL Program
Award in the same
funding round?
c. Does the DIHC
Applicant intend to carry
out the activities of an
Award through its
Subsidiary Certified CDFI
Insured Depository
Institution?
Yes/No
The answer to this question must be “No.” If an Applicant and its
Affiliate(s) or Subsidiaries wish to apply for an SDL Program Award, they
must do so through one of the Affiliated or Subsidiary entities, in one
Application. An Applicant and its Affiliates or Subsidiaries may not submit
separate Applications. If Affiliates or Subsidiaries submit multiple or
separate Applications, the CDFI Fund may, at its discretion, reject all such
Applications received. See the SDL Program NOFA for the definition of
Affiliate and Subsidiary.
Picklist
Yes/No/NA
If the Applicant is not applying with a partner, the response should be
“N/A”. If the Applicant is applying with a partner, the answer to this
question must be “No”. If the FIDI partner and its Affiliate(s) or
Subsidiaries or Certified CDFI partner(s) and its Affiliates or Subsidiaries
wish to apply for an SDL Program Award, they must do so through one of
the Affiliated or Subsidiary entities, in one Application. A FIDI partner and
its Affiliates or Subsidiaries or Certified CDFI partner(s) and its Affiliates or
Subsidiaries may not submit separate Applications. If Affiliates or
Subsidiaries submit multiple or separate Applications, the CDFI Fund may,
at its discretion, reject all such Applications received.
Picklist
•
•
If “yes” to (c), name
the Organization and
describe the business
relationship with the
DIHC Applicant.
If the Applicant is not a DIHC, select “N/A.”
Indicate “Yes” only if the Applicant intends to carry out its activities
through its Subsidiary Certified CDFI Insured Depository Institution.
Yes/No/NA
Picklist
•
•
d.
Field Type
•
_________
•
•
This question will only appear if (c) is “Yes.”
If the organization has closely held Subsidiaries, the Applicant
should be careful to select the most appropriate entity to carry out
the proposed activities under the SDL Program Award.
Applicants will be required to submit an organizational chart as an
attachment which demonstrates the business relationships
between its Subsidiaries.
Only include organizations that meet the definition of a Subsidiary
as defined in the SDL Program NOFA.
Note that the Subsidiary that will implement the Applicant’s SDL
Program strategy must meet the SDL Program eligibility
requirements on its own behalf.
22
Text
Question 4a – Requested Award – Loan Loss Reserves
Question Text
Response Notes
•
•
$_______
What is the total dollar
amount requested for the
Loan Loss Reserves Award in
this Application?
•
•
•
•
•
This question will only appear in the AMIS Application if the
Applicant selected an LLR-Only or an LLR and TA (Combo)
Application.
The SDL Program has identified prohibited practices that the SDL
Program Award cannot support. Please review the FY 2026 SDL
Program NOFA for the prohibited practices. Additionally, the SDL
Program Award must only support a small dollar loan program
that meets the statutory requirements described in the FY 2026
SDL Program NOFA.
The Applicant should request an amount that it can use to set
aside for loan loss reserves to start or maintain a small dollar
loan program over the three-year period of performance. The
program must be compliant with the FY 2026 SDL Program
NOFA.
The Applicant may not request an amount below $20,000.
The Applicant may not request an amount greater than
$350,000.
The Applicant may not request an amount greater than 20% of
the Applicant’s 3-year Projected Total On-Balance Sheet Small
Dollar Loans to be closed.
AMIS will require that the Award amount requested be rounded
to the nearest thousand (e.g., $25,000 instead of $25,225).
Question 4b – Requested Award – Technical Assistance
Question Text
Response Notes
•
•
What is the total dollar
amount requested for the
Technical Assistance Award
in this Application?
$_______
•
•
•
•
This question will only appear in the AMIS Application if the
Applicant selected a TA-Only or an LLR and TA (Combo)
Application.
The SDL Program has identified prohibited practices that the SDL
Program Award will not support. Please review the FY 2026 SDL
Program NOFA for these prohibited practices. Additionally, the
SDL Program Award must only support a small dollar loan
program that meets the statutory requirements described in the
FY 2026 SDL Program NOFA.
The Applicant should request an amount of the SDL Program
Award that it can use to expend on eligible activities.
The Applicant may not request an amount below $20,000.
The Applicant may not request an amount greater than
$150,000.
AMIS will require that the award amount requested be rounded
to the nearest thousand (e.g., $125,000 instead of $125,225).
23
Field Type
Currency
Field Type
Currency
Question Text
Response
Notes
•
This question will only appear in the AMIS Application if the
Applicant selected a TA-Only or an LLR and TA (Combo)
Application.
The Applicant may not request an amount below $20,000.
The Applicant may not request an amount greater than
$150,000.
All Applicants requesting a TA Award must enter an amount that
is at least 50% of the TA Award Amount requested in Question
4b above.
Applicants should enter an amount that meets the criteria above
and that Applicants will be able to expend within 12 months of
the award announcement date.
•
•
TA First Payment Amount
Requested
$_______
Field Type
•
•
Question 5 – Authorized Representatives and Point of Contacts
Question Text
Response
Notes
•
a. Select your Authorized
Representative from your
Organization’s AMIS contacts.
Look-up
•
•
b. Select your first Application
Point of Contact from your
Organization’s AMIS contacts.
c. Select your second
Application Point of Contact
from your Organization’s AMIS
contacts.
•
Look-up
•
•
Look-up
•
Currency
Field Type
The Authorized Representative will receive all
communications from the CDFI Fund regarding this
Application and, if successful, the Award and Assistance
Agreement.
When you select an Authorized Representative in AMIS,
their address and phone number will populate. Please
ensure this information is accurate or you may miss
important information about your organization’s
Application.
The Authorized Representative cannot be a contractor.
Look-up
The first Application Point of Contact must be different than
your Authorized Representative.
Please ensure that Point of Contact information is accurate
in AMIS to ensure timely communication.
Look-up
The second Application Point of Contact must be different
that your first Application Point of Contact and your
Authorized Representative.
Please ensure that Point of Contact information is accurate
in AMIS to ensure timely communication.
Look-up
24
Question 6 – Total Estimated Burden to Complete the Application
This question is for informational purposes and will not be scored.
Question Text
Response Notes
Field Type
For the purpose of estimating Application completion hours, Applicants
should focus only on the amount of time it took to complete and
populate the questions asked in the Application materials. Other
activities that are carried out in the normal course of business and are
only indirectly related to the completion of this Application (e.g.,
identifying a lending pipeline, developing a strategic plan or marketing
plan, etc.) should not be included in this estimate. This question will not
be scored.
a. Estimate the number
of hours required to
complete the entire
Application package.
____ hours
b. Did one or more
consultants or other
third parties assist in the
completion of this
Application?
Yes/No
A consultant or a third party is an individual or firm not affiliated with the
Applicant organization.
Picklist
c. If “Yes” to Q. 6(b),
how many hours did the
consultants or third
parties spend to
complete the entire
Application package?
____ hours
This figure should be less than or equal to the amount in Q. 6(a).
Numeric
$________
Enter the total amount of all fees paid to consultants or other third
parties related to the completion of the Application. Do not include fees
paid for other activities that are carried out in the normal course of
business and are only indirectly related to the completion of this
Application (e.g., identifying a lending pipeline, developing a strategic
plan or marketing plan, etc.)
Currency
d. If “Yes” to Q. 6(b),
what was the amount
paid to consultants or
other third parties to
complete the entire
Application package?
Question 7 – Executive Summary
Question Text
Response
Summarize the key elements of your new or
existing anticipated SDL program including:
• The Applicant’s vision for this SDL Program
Award request, including the
challenge(s)/need(s) you are trying to
address, and the anticipated outcomes that
will result from your SDL Program Award
strategy.
• If applicable, the role the FIDI partner will play
in helping the lead Certified CDFI Applicant
Narrative –
3,000
character
limit
25
Notes
•
This is a high-level summary of the
Applicant’s strategy/vision.
•
This question will not be scored in the
Application Review.
Numeric
Field Type
Narrative
Question Text
Response
achieve its strategy/vision and the benefits of
the partnership.
• If applicable, the role the Certified CDFI
partner(s) will play in helping the designated
lead Certified CDFI Applicant achieve its
strategy/vision and the benefits of the
partnership.
• How receiving the requested SDL Program
Award will allow your organization to achieve
key goals you would not have been able to
achieve without the Award.
• Your organizational capacity, financing
activities, and track record that support your
ability to execute your strategy.
26
Notes
Field Type
Part 1: Market Need
Question 8 – Community Analysis and Small Dollar Financing Gaps
All Applicants should describe the challenges and small dollar financing gaps facing the unbanked and
underbanked families and distressed communities. All Applicants should describe relationships with other
organizations that will enhance the Applicant’s strategy to address the needs of consumers who need safe,
affordable, and responsible small dollar loans. Lastly, Applicants should describe the community impact
expected as a result of the proposed SDL Program.
Question Text
a. Describe the challenges and
small dollar financing gaps
facing the unbanked and
underbanked families and
distressed communities that
the Applicant currently serves
or new areas it intends to
serve. Your discussion should
address:
• The nature and extent
of the small dollar
lending needs.
• The presence of highcost lenders (e.g.,
payday lenders)
b. Describe relationships with
other organizations (e.g.,
lenders, community
organizations, foundations)
that will enhance the
Applicant’s strategy to
address community needs and
financing gaps. All Applicants
must complete this question
regardless of partnership
status.
For Applicants applying as a
Partnership, Applicant needs
Response
Notes
•
•
Narrative –
5,000
characters
•
•
•
Narrative –
5,000
character
limit
•
Field Type
To be completed by all Applicants.
Describe the small dollar lending challenges and
what types of small dollar financing are missing
or not available at affordable, safe, and
responsible rates and terms, and why this
financing is unavailable in the mainstream
financial marketplace.
Support your narrative with relevant data where
possible. For example, metrics of demand for
small dollar lending, whether this unmet
demand is more acute among certain subsets of
the population and income characteristics of
families, the extent of unemployment (if
applicable), lack of access to products/services,
etc. Be sure to cite the sources of any statistics
you provide in your narrative.
Narrative
To be completed by all Applicants.
Use examples of relationships that support your
strategy. For example, relationships may include
working with a local nonprofit to provide
financial counseling or partnering with a
financial institution to provide bank account
services. Include relevant data such as how
many borrowers/potential prospects the
relationship brings to your organization.
For Applicants applying as a partnership, the
designated lead Certified CDFI Applicant needs
to also complete the Partnership Agreement in
Appendix 8.
Narrative
CDFI FUND | FY 2026 SDL Program Application Instructions - DRAFT
27
Question Text
Response
Notes
Field Type
to discuss how the
partnership with a FIDI for an
LLR Award or a partnership
between two or more
Certified CDFI for a TA Award
is integral to the successful
completion of the Applicant’s
strategic goal(s).
c. Select which of the
following impacts you expect
will result from your SDL
Program Award strategy. The
impact options are:
1. Improved financial
strength and stability for
low-income and
underserved people.
2. Declining borrower
delinquency rate.
3. Improved credit history
and credit scores.
4. Increased access to
mainstream financial
products and expanded
activity in other credit
facilities (e.g., borrower
received an auto loan).
5. Increased access to
financial education,
including credit
counseling.
6. Increased borrower
savings.
7. Help borrowers
consolidate or lower debt
costs.
8. Other
f.
d. Discuss how the Applicant
intends to achieve the
selected impact. If “Other”
was selected, please specify
the “Other” impacts the
Applicant expects will result
•
Picklist
Narrative –
1,500
character
limit
CDFI FUND | FY 2026 SDL Application Instructions
•
•
Select one or more expected SDL Award Impacts
based on the Applicant’s strategy. Applicants will
not receive a scoring advantage for the choice
selected or for selecting more than one impact.
You may also select “Other” and describe “other
impacts” in Question 8d.
Discuss how the Applicant intends to achieve the
selected impact(s) options in Question 8c. If
applicable, list “other” impacts that are not
listed in Question 8c that will result from the
Applicant’s SDL Program Award strategy.
Picklist
Narrative
28
Question Text
Response
Notes
Field Type
from its SDL Program Award
strategies.
Part 2: Business Strategy and Impact
Question 9a (LLR Only) – Proposed Use of SDL Program Award – Loan Loss Reserves (LLR)
Please describe the proposed use of the SDL Program Award dollars for Loan Loss Reserves. As a condition of a
Recipient’s Assistance Agreement, Recipients will be restricted to using their SDL Program Award for the
eligible activities selected in this question. Question 9a will only appear in the AMIS Application if the Applicant
is applying for an LLR-Only Award per the Applicant’s selection when the Application is created in AMIS.
Reminder: See Section 1, Table 2 of the FY 2026 SDL Program NOFA for the list of prohibited activities and
prohibited practices for small dollar loan programs.
Question Text
Response
Notes
•
•
a. Loan Loss Reserves
Request Amount
Autopopulated
•
Applicant’s LLR Award amount request will autopopulate based on the selection in Question 4a.
Loan Loss Reserves means proceeds from the SDL
Program Award the Applicant plans to set aside in the
form of cash reserve, or through accounting-based
accrual reserves, to cover losses arising from the
Applicant’s new or existing small dollar loan program
products that meet the statutory requirements
described in the FY 2026 SDL Program NOFA.
The LLR should be a restricted account.
Field Type
Auto
populated
•
b. Describe how the Applicant
will use the requested SDL
Program Award (LLR) as part
of a strategy to launch,
expand, and administer an
SDL program to address the
challenges and small dollar
financing gaps that were
identified in Question 8.
Narrative –
5,000
character
limit
CDFI FUND | FY 2026 SDL Application Instructions
Describe the structure of the Loan Loss Reserve
account.
• Discuss the anticipated loss rate and how it was
determined (Reference Appendix 2, Table 2b).
• Discuss how your LLR percentage request was
determined and how it relates to expected losses,
including how your LLR percentage request compares
to your anticipated loan loss percentage.
• For existing programs with a track record, address
how the loss rate will or will not change.
• Describe how the LLR award will enable the Applicant
to provide consumer benefits that would not otherwise
be possible. Topics to discuss include, but are not
limited to:
Narrative
29
o
o
•
c. What is the source of the
Applicant’s lending capital to
support its use of the
requested SDL Program
Award for LLR as part of a
strategy to launch or expand
a small dollar loan program?
Narrative –
1,000
character
limit
•
•
•
Updating loan underwriting standards to include
more market participants.
Lowering the cost of borrowing for SDL
applicants (interest rates, origination/late fees,
etc.).
Discuss the source of the Applicant’s lending capital to
support its use of the SDL Program Award and
projections to launch or expand a small dollar loan
program.
Discuss the timing of when the lending capital is
expected to become available if the funds are not
already on the balance sheet.
The capital that is deployed for small dollar loans
cannot be from CDFI Fund Awards.
An LLR Award cannot be used to provide direct
financing to borrowers.
Narrative
Question 9b (TA Only) – Proposed Use of SDL Program Award – Technical Assistance (TA)
Please describe the use of the SDL Program Award dollars for Technical Assistance. As a condition of a
Recipient’s Assistance Agreement, Recipients will be restricted to using their SDL Program Award for the
eligible activities selected in this question. Question 9b will only appear in the AMIS Application if the Applicant
is applying for a TA-Only Award per the Applicant’s selection when the Application is created in AMIS.
Reminder: See Section 1, Table 2 of the FY 2026 SDL Program NOFA for the list of prohibited activities and
prohibited practices for small dollar loan programs.
Question Text
Response
Notes
Field Type
•
•
a. Technical Assistance
(TA) Award Amount
Request
Auto
populated
•
•
b. TA First Payment
Amount Request
Auto
populated
CDFI FUND | FY 2026 SDL Application Instructions
TA Award amount requested will auto populate
from Question 4b.
A Technical Assistance award may be used for
technology, staff support, and other costs
associated with launching or expanding a small
dollar loan program that meets the statutory
requirements described in the FY 2026 SDL
Program NOFA.
See the FY 2026 SDL Program NOFA for a list of
eligible and ineligible Technical Assistance
activities.
Auto populated
TA First Payment amount requested will auto
populate from Question 4b. The anticipated first
payment amount is the estimated amount of the
requested TA Award that the Applicant expects to
expend on eligible TA activities during the first 12
months of its Period of Performance. The Award
Currency
30
announcement signifies the commencement of
the Period of Performance.
c. Describe how the
Applicant will use the
requested SDL Program
Award for TA to build
capacity to launch,
expand, and administer an
SDL Program to address
the challenges and small
dollar financing gaps it
identified in Question 8.
d. What is the source of
the lending capital to
support the Applicant’s
use of the requested SDL
Program Award for TA as
part of a strategy to launch
or expand a small dollar
loan program?
•
Narrative –
5,000
character
limit
•
•
Narrative –
1,000
character
limit
•
•
Include information about intended TA uses and
projected amounts, such as:
o Technology support, including software
and Information Technology equipment
o Staff support, including salary and
training
o Credit monitoring and reporting capability
o Marketing or promotional support
o Fees for consultants
o Audit or oversight costs
Be specific in discussing how the intended TA uses
will address the small dollar financing challenges
and gaps identified in Question 8.
Narrative
Discuss the source of the Applicant’s lending
capital to support its use of the SDL Program
Award.
Discuss the timing of when the lending capital is
expected to become available if the funds are not
already on the balance sheet.
The capital that is deployed for the SDL Program
cannot be from CDFI Fund Awards.
Narrative
An Applicant should only select the eligible TA uses
that the SDL Program Award for TA will support.
e. Select the proposed
uses and amounts of the
SDL Program Award for TA
Picklist and
Currency
i)
ii)
iii)
iv)
v)
vi)
vii)
Compensation-Personnel Services
Professional Service costs
Travel Costs
Training and education costs
Equipment
Supplies
Development Services
Picklist and
Currency
Question 9c (Combination-LLR and TA) – Proposed Use of SDL Program Award – Loan Loss Reserves and
Technical Assistance
Please propose the SDL Program Award dollars for Loan Loss Reserves and Technical Assistance (Combination).
As a condition of their Assistance Agreement, Recipients will be restricted to using their SDL Program Award for
the eligible activities selected in this question. Question 9c will only appear in the AMIS Application if the
Applicant is applying for an LLR and TA Award (Combo) per the Applicant’s selection when the Application is
created in AMIS.
CDFI FUND | FY 2026 SDL Application Instructions
31
Reminder: See Section 1, Table 2 of the FY 2026 SDL Program NOFA for the list of prohibited activities and
prohibited practices for small dollar loan programs.
Question Text
Response Notes
Field
Type
•
•
•
a.
Describe how the Applicant will
use the requested SDL Program
Loan Loss Reserve Award as
part of a strategy to launch,
expand, and administer a small
dollar loan program to address
the challenges and small dollar
financing gaps you have
identified in Q. 8.
•
Narrative
2,500
character
limit
•
•
b.
Describe how the Applicant will
use the requested SDL Program
Award for TA to build capacity
to launch, expand, and
administer a small dollar loan
program to address the
challenges and small dollar
financing gaps identified in
Question 8.
•
Narrative
2,500
character
limit
•
c.
What is the source of the
Applicant’s lending capital to
support its use of the
requested SDL Program Award
for LLR and TA as part of a
Narrative
– 1,000
character
limit
CDFI FUND | FY 2026 SDL Application Instructions
•
Describe the structure of the Loan Loss Reserve
account.
Discuss the anticipated loss rate and how it was
determined (Reference Appendix 2, Table 2b).
Discuss how your LLR percentage request was
determined and how it relates to expected
losses, including how your LLR percentage
request compares to your anticipated loan loss
percentage.
For existing programs with a track record,
address how the loss rate will or will not change.
Topics to discuss include, but are not limited to:
o Increased capacity to expand lending
into new markets.
o Ability to attract more capital for SDL
financing.
Discuss projected consumer benefits due to the
LLR award. Topics to discuss include, but are not
limited to:
o Updated loan understanding standards
to include more market participants.
o Lower the cost of borrowing for SDL
applicants (interest rates,
origination/late fees, etc.).
Include information about intended uses and
projected amounts, such as:
o Technology support, including software and
Information Technology equipment
o Staff support, including salary and training
o Credit monitoring and reporting capability
o Marketing or promotional support
o Fees for consultants
o Audit or oversight costs
Discuss the source of the Applicant’s lending capital
to support its use of the SDL Program Award and
projections to launch and expand a small dollar loan
program.
Discuss the timing of when the lending capital is
expected to become available if the funds are not
already on the balance sheet.
Narrative
Narrative
Narrative
32
•
strategy to launch or expand a
small dollar loan program?
•
The capital that is deployed for small dollar loans
cannot be from CDFI Fund Awards.
An LLR Award cannot be used to provide direct
financing to borrowers.
An Applicant should only select the eligible TA uses that
the SDL Program Award for TA will support.
d.
Select the proposed uses and
amounts of the SDL Program
Award for TA.
Picklist
and
Currency
CDFI FUND | FY 2026 SDL Application Instructions
i)
ii)
iii)
iv)
v)
vi)
vii)
Compensation-Personnel Services
Professional Service costs
Travel Costs
Training and education costs
Equipment
Supplies
Development Services
Picklist
and
Currency
33
Question 10 – Affordable and Responsible Loan Characteristics
The SDL Program encourages the Applicant’s small dollar loan program to offer small dollar loan terms that are
affordable and responsible and engage in responsible lending practices. Which of the following lending
practices will be included in your proposed small dollar loan program?
Reminder: A small dollar loan program is defined as a program that offers small dollar loans to consumers that
meet the statutory requirements listed in Section 1 of the FY 2026 SDL Program NOFA. Also, see Section 1 of
the FY 2026 NOFA for the list of prohibited activities and prohibited practices of a small dollar loan program.
The Applicant will generally score more favorably in this section to the extent that its small dollar loan program
offers financial products and services with certain characteristics that promote affordable and responsible small
dollar lending.
Question Text
Response Notes
Field
Type
a. For an Applicant’s new or existing small dollar
loan program, please select which of the
following lending practices and loan
characteristics that the Applicant’s small dollar
loan program will offer:
i.
ii.
iii.
iv.
Loan Decision – loan decisions are made
within one business day after receipt of
required documents.
Automatic Debit Payments – the
borrower receives a reduction in its loan
rate if automatic debit payments are
used.
Automatic Savings Component – the
Applicant’s small dollar loan program
offers automatic savings features.
Access to Financial Education/Credit
Counseling – the Applicant’s small dollar
loan program offers access to financial
education, including credit counseling,
particularly if the Applicant offers
financial education programs that are
used as substitutes for late fees and
overdraft fees when borrowers are at
risk of incurring a late fee or overdraft
fee.
b. Discuss whether the lending practices selected
in Question 10a are incorporated into the
CDFI FUND | FY 2026 SDL Application Instructions
Picklist
Narrative
– 4,000
An Applicant should only select the
lending practices and loan characteristics
that describe its small dollar loan program
that the SDL Program Award will support
(if selected for Award).
Be specific in describing the relevant policy
and how it’s implemented.
Picklist
Narrative
34
organization’s consumer lending policies and
how these practices are being implemented for
current programs or will be implemented for
new programs.
character
limit
Question 11 – Description of Applicant’s Small Dollar Loan Product
The purpose of this question is to understand the loan characteristics of the small dollar loan products that the
Applicant offers as defined in the FY 2026 SDL Program NOFA.
Question Text
Response Notes
Field Type
•
a. Applicants must complete
Table 1, describing its loan
product(s) that will be
supported by the SDL
Program Award (if selected)
and will meet SDL Program
requirements.
Appendix
1, Table 1a
•
•
•
b. Does the Applicant have a
history of offering small
dollar loan products as
defined in the FY 2026 SDL
Program NOFA?
Yes/No
•
•
c. Does the Applicant have a
history of offering other
short-term unsecured loan
products?
d. If the Applicant has a history
of offering other short-term
unsecured loan products,
the Applicant must
Yes/No
•
Appendix 1,
Table 1b
CDFI FUND | FY 2026 SDL Application Instructions
•
In Table 1a, the Applicant will provide the key
information for each small dollar loan product
the Applicant will offer that will be compliant
with SDL Program requirements as outlined in
the FY 2026 SDL Program NOFA, if the
Applicant is selected for an award.
Applicants should enter only loan products
that meet the statutory requirements outlined
in the FY 2026 SDL Program NOFA.
Applicants must enter information for at least
one product but can enter up to three.
Appendix 1, Table 1a
A small dollar loan program is defined as a
program that offers small dollar loans to
consumers that meet the statutory
requirements described in the FY 2026 SDL
Program NOFA.
If Applicants selects “Yes”, Table 2a (Track
Record) will populate.
Picklist
A short-term unsecured loan product is a loan
product that does not meet the definition of a
small dollar loan per the FY 2026 SDL Program
NOFA but is a 1) loan product that is
unsecured; 2) does not exceed $10,000; and 3)
has a maturity of less than three years.
Picklist
Table 1b will appear in the Application if the
Applicant selected “Yes” to Question 10 c.
Applicants may enter information for up to
three other short-term unsecured loan
products.
Appendix 1, Table 1b
35
Question Text
Response
Notes
•
complete Table 1b
describing these products.
•
e. If the Applicant has a
history of offering other
short-term unsecured loan
products, the Applicant
should describe the
deployment volume over the
last three years as well as
how making other shortterm unsecured loans
supports its ability to carry
out the proposed SDL
Program Award.
•
•
Narrative 3,000
character
limit
CDFI FUND | FY 2026 SDL Application Instructions
•
Field Type
The maximum loan amount should not exceed
$10,000 and be unsecured.
Do not include products from Table 1a.
This question will populate if the Applicant
selects “Yes” in Question 11b.
The Applicant will also complete Table 1b
(Other short-term unsecured loan products)
A short-term unsecured loan product is a loan
product that does not meet the definition of a
small dollar loan per the FY 2026 SDL Program
NOFA but is a 1) loan product that is
unsecured; 2) does not exceed $10,000; and 3)
has a maturity of less than three years. The
Applicant must provide the dollar amount and
the number of other short-term unsecured
loans in each of the last three years.
Narrative
36
Track Record and Projections
Questions 12 and 13 focus on the Applicant’s small dollar lending track record and projections. These questions
elaborate on the data requested in the Track Record and Projections tables in Appendix 2.
Question 12 – Track Record
Question Text
Response
Notes
Narrative
– 5,000
characters
This question is only applicable for Applicants with a
track record of offering small dollar loans per
Applicant’s response to Question 11a.
• Please be sure to limit the answer to small dollar
lending activities, as described in the NOFA, that
have occurred over the previous three years.
• Be clear about which entity (the Applicant entity
or its Subsidiaries) conducted the small dollar
lending activities listed in the Appendix 2.
• DIHC Applicants that intend to carry out the
activities of an Award through their Subsidiary
Certified CDFI Insured Depository Institution
must include the Subsidiary’s activities.
• Do not include activities of Affiliates.
a. If applicable, the Applicant should
describe its track record of making
small dollar loans. Be sure to address:
• How the Applicant’s track record of
making small dollar loans (that meets
the statutory requirements described
in the FY 2026 SDL Program NOFA)
supports its ability to carry out the
proposed SDL Program Award,
including any small dollar lending
activities that are similar/relevant to
the proposed activities that the SDL
Program Award will support.
• Any trends in the level of activity, for
example whether the volume of small
dollar loans has fluctuated
significantly from year-to-year or has
been relatively steady.
•
b. If applicable, the Applicant will
provide track record data in Table 2a
on its portfolio of small dollar loans
(that meets the statutory
requirements described in the FY
2026 SDL Program NOFA) in Appendix
2, Table 2a.
See
Appendix
2, Table 2a
CDFI FUND | FY 2026 SDL Application Instructions
•
This Table is only applicable for Applicants with a
track record of offering small dollar loans (that
meets the statutory requirements described in
the FY 2026 SDL Program NOFA) per Applicant’s
response to Question 11a. See Appendix 2, Table
2a.
If the Applicant has no track record in one or
more of the 3 historic years, the Applicant will
indicate so in Table 2a using the Track Record
field and enter 0s in the applicable column(s).
Field
Type
Narrative
See
Appendix
2, Table
2a
37
Question 12 – Projected Performance and Pipeline – Planned Small Dollar Loan Program
Applicants will discuss how they will use an Award, if selected, to launch or expand a small dollar loan program.
In conjunction with Table 2b, the Applicant will provide information about its small dollar loan program and the
projected small dollar loans that the Applicant will provide to borrowers that the SDL Program Award will
support.
Reminder: In Table 2b, prior year SDL Program Recipients must only input projected performance information
relevant to the current SDL Program Award for which they are applying. Do not include activities covered by
prior year awards. Reviewers will assess the adequacy of projections for prior year recipients by reviewing (i)
current FY SDL Program Award projections in conjunction with (ii) prior year(s) Assistance Agreement(s)
requirements. Prior year recipients will be analyzed on a consolidated basis for all outstanding Assistance
Agreement(s) requirements and current Application projections.
Question Text
Response Notes
Field
Type
See Appendix 2, Table 2b.
a. Provide data in Table 2b on the
Applicant’s projected performance and
small dollar loan activities that the FY
2026 SDL Program Award will support
over the projection period.
Appendix
2, Table 2b
b. Describe the Applicant’s projections
from Table 2b and the types of small
dollar lending activities that will be
supported with an FY 2026 SDL
Program Award. Be sure to address the
following factors:
• How the projections were
developed.
• Risks that may impact the
Applicant’s ability to achieve
projections and steps to mitigate
those risks.
• How the projected outputs (e.g.,
dollars of financing) address the
small dollar financing gaps identified
in Question 7, if applicable.
Narrative
– 5,000
characters
CDFI FUND | FY 2026 SDL Application Instructions
Reminder: Prior SDL Program Recipients must only
input projected performance information relevant to
the FY 2026 SDL Program Award for which they are
applying. Do not include activities covered by prior
year SDL Program Awards.
•
Do not include data that will not be supported by
the FY 2026 SDL Program Award.
•
To the extent the Applicant is projecting an
increased level of SDL financing compared to its
track record, describe, in detail, why these
projections are deemed reasonable. Note any
new or established relationships and the staffing
plan to help achieve these projections.
•
Details should be included regarding how the
projections were developed, including analysis of
historical results, or research conducted related
to total addressable market and marketing plan.
•
See
Appendix
2, Table
2b.
Narrative
If the Applicant has established relationships, as
discussed in Question 7b, that will facilitate
creating a solid pipeline of borrowers, please
discuss. If applicable, indicate whether such
relationships will result in a greater number of
small dollar loans (if so, how many) and the
extent to which such relationships will allow the
38
Question Text
Response
Notes
Field
Type
Applicant to serve geographic areas you would
not otherwise be able to reach.
c. If a prior SDL Program Recipient,
discuss how the additional Award funds
will be deployed in conjunction with
prior year award(s) and how the
Applicant plans to expand its current
small dollar loan program.
Narrative
– 2,000
characters
Prior year recipients must adequately detail how the
current Application projections will be met in addition
to requirements set forth by prior year(s) SDL Program
Award Assistance Agreement(s) if selected for an
award. Applicants will be assessed based on the
adequacy of projections for prior year recipients by
reviewing the current Application projections in
conjunction with prior year(s) Assistance
Agreement(s) requirements.
Narrative
d. Describe how the Applicant will
build/manage its pipeline of potential
small dollar loan borrowers, addressing
the following items:
• Describe the current pipeline and/or
inquiries for small dollar loans.
• Describe how new/established
borrower relationships, referral
sources, and existing/potential
partners will help the Applicant
build/manage a pipeline of small
dollar loan borrowers.
• Describe how the SDL Program
Award will be utilized to assist in
attracting additional borrowers.
• Describe the factors the Applicant
looks for when selecting and
prioritizing potential borrowers.
•
Narrative
– 4,000
characters
CDFI FUND | FY 2026 SDL Application Instructions
•
Describe how the Applicant will achieve its
projections. If the Applicant has an existing small
dollar loan program, describe how it will achieve
the projections with the current pipeline and/or
expand the pipeline to attract additional
borrowers.
If an Applicant intends to operate its program in
areas new to the Applicant, describe how it
intends to build a pipeline of borrowers in these
new markets.
Narrative
39
Part 3: Organizational Capacity
The CDFI Fund will evaluate the Applicant’s organizational capacity and ability to successfully undertake its
proposed SDL Program activities and meet SDL Program Award requirements.
Question 13 – Key Personnel
Question Text
a. Complete Appendix 3 for key personnel that
will be involved in managing the SDL Program
Award. Applicants will be able to list up to 10
individuals. Select the individuals that will be most
important in managing the SDL Program Award.
This will most likely be a mix of senior leadership
support and managers running the Program.
Response
See Appendix 3
Notes/Guidance
See Appendix 3.
•
b. Discuss the number of staff who currently
administer the small dollar loan program (if
applicable) and how many will administer the
program during the Period of Performance.
Describe the staff members’ roles and
responsibilities in managing the small dollar loan
program and the SDL Program Award.
CDFI FUND | FY 2026 SDL Application Instructions
Narrative –
3,000
characters
•
Discuss the number of staff
who are currently managing
the Applicant’s small loan
program and the number of
staff that will be added to
administer the small dollar
loan program, should you
receive an SDL Program Award.
Field
Type
See
Appendix
3
Narrative
Discuss the staff’s planned
roles, responsibilities, and
experience managing the small
dollar loan program and SDL
Program Award, if received.
40
Question 14 – Previous Awards
Question Text
a. Appendix 4 will list previous awards from the
CDFI Fund received by the Applicant and its
Affiliates.
b. Is the Applicant or any Affiliates currently the
subject of an unresolved audit or investigation by
the Office of the Inspector General (OIG) for any
Federal Agency?
c. If response to Question 14b is “Yes,” please
explain the nature of the audit or investigation by
the Office of the Inspector General (OIG).
CDFI FUND | FY 2026 SDL Application Instructions
Response
Notes/Guidance
Field Type
See Appendix 4
• See Appendix 4.
• This information should
pre-populate in AMIS. If
it does not, contact the
AMIS Help Desk to
ensure all your Affiliates
are linked.
See
Appendix 4
Yes/No
Indicate “Yes” or “No.”
Picklist
Narrative - 2000
characters
Discuss the nature of
the unresolved audit or
OIG investigation.
Describe key issues,
timeline, and any
mitigating factors.
Narrative
41
Appendix 1: Small Dollar Loan Products
Instructions for Completing Table 1a
In Table 1a, the Applicant will provide the key information for each small dollar loan product the Applicant will
offer that will be supported by the SDL Program Award, if selected, and will be compliant with SDL Program
requirements as outlined in the FY 2026 SDL Program NOFA.
Applicants must enter information for at least one product but can enter up to three.
Comparative interest rates and terms should reflect what is available in the market for similar products. Provide
a brief narrative on how each product(s) addresses the needs and financing gaps described in the Application.
Table 1a: Small Dollar Loan Products Supported by the SDL Program Award
AMIS Field Name
Notes/Guidance
Field Type
Name of the small dollar loan product
•
Name of the Small Dollar Loan Product
e.g., Bank 123 Small Dollar Loan Product
Narrative –
75 Characters
Is this a new product?
Yes/No
Picklist
Description & Financing Gap
Describe the small dollar loan product and the financing
need/gap it addresses.
Maximum Loan Amount
Enter the maximum loan amount that will be supported by the
Applicant’s small dollar loan product. The maximum loan amount
cannot exceed $2,500.
Currency
Maximum Annual Percentage Rate
(APR)
Enter the maximum all-inclusive APR using the methodology
prescribed in 32 CFR § 232.4 of the Military Lending Act (referred
to as the Military Annual Percentage Rate [MAPR]). The
maximum APR cannot exceed the lower of the following two
rates: 1) an all-inclusive 36% APR; or 2) the interest rate limit as
set by the state agency that oversees financial institutions in your
state.
Percentage
Maximum Annual Percentage Rate
(APR) Justification
This is only required if the Applicant’s Max APR (using the
methodology prescribed in 32 CFR § 232.4 of the Military Lending
Act (referred to as the Military Annual Percentage Rate [MAPR]))
is greater than 18%. Please include an explanation if the allinclusive interest rate that the Applicant proposes to offer on its
small dollar loan product is higher than 18% but within the SDL
Program limit of 36% all-in APR.
Narrative –
500
Characters
Narrative –
CDFI FUND | FY 2026 SDL Application Instructions
500
Characters
42
Estimated Average Interest Rate
Enter the estimated average interest rate.
Percentage
Comparative Average Interest Rate
Identify the comparable average interest rate offered by others.
Percentage
Comparative Interest Rates
Discuss comparative interest rates. The answer should reflect
what is available in the market for similar loan products.
Narrative –
500
Characters
Amortization/Repayment Terms
Discuss amortization terms.
Narrative –
500
Characters
Comparative Amortization/Repayment
Terms
Discuss comparable amortization/repayment terms offered by
others.
Narrative –
500
Characters
Security Position (1 , 2 , etc.)
/Collateral
Discuss the security position (1st, 2nd, etc.) and/or collateral. If
secured, please describe nature of security. Please note secured
loans are a prohibited practice unless they are credit builder
loans or loans with a savings component.
Narrative –
500
Characters
Proof of Income
Yes/No
Picklist
Loan Application Fee
Enter amount
Currency
Late Fee
Enter amount
Currency
Credit Score Requirements
Yes/No
Picklist
Financial Education Requirement
Yes/No
Picklist
st
nd
CDFI FUND | FY 2026 SDL Application Instructions
43
Instructions for Completing Table 1b
In Table 1b, the Applicant will provide information for other short-term unsecured loan products the Applicant
offers that will NOT be supported by an SDL Program Award and is not already included in Table 1a. Applicants
may enter information for up to three other short-term unsecured loan products to demonstrate their relevant.
The maximum loan amount should not exceed $10,000 and be unsecured. Do not include products from Table
1a.
Table 1b: Other Short-Term Unsecured Loan Products
AMIS Field Name
Notes/Guidance
Field Type
Name of the small dollar loan product
Narrative –
75 Characters
Name of the loan product
•
e.g., Bank 123 Small Dollar Loan Product
Is this a new product?
Yes/No
Picklist
Maximum Loan Amount
Enter the maximum loan amount that will be supported by the
Applicant’s small dollar loan product. For this table, only enter
products with a maximum loan amount cannot exceed $10,000.
Currency
Maximum Annual Percentage Rate
(APR)
Enter the maximum all-inclusive APR.
Percentage
Estimated Average Interest Rate
Enter the estimated average interest rate.
Percentage
Comparative Average Interest Rate
Identify the comparable average interest rate offered by others.
Percentage
Amortization/Repayment Terms
Discuss amortization terms.
Narrative –
500
Characters
Security Position (1st, 2nd, etc.)
/Collateral
Discuss the security position (1st, 2nd, etc.) and/or collateral. For
this table, only enter products that are unsecured.
Narrative –
500
Characters
Proof of Income
Yes/No
Picklist
Loan Application Fee
Enter amount
Currency
Late Fee
Enter amount
Currency
Credit Score Requirements
Yes/No
Picklist
Financial Education Requirement
Yes/No
Picklist
CDFI FUND | FY 2026 SDL Application Instructions
44
Appendix 2: Track Record and Planned Small Dollar Loan Program
Table 2a: Track Record of Small Dollar Loan Products
Instructions for Table 2a: Applicants will only complete Table 2a if they have historically offered small dollar
loan product(s). This table will appear based on the answer to Q11a. Please provide the requested track record
information on the Applicant’s track record of small dollar loans that meet the criteria outline in the FY 2026 SDL
Program NOFA. If the Applicant is a Certified CDFI Depository Institution Holding Company that intends to carry
out the activities of an SDL Program Award through its Certified CDFI Subsidiary Insured Depository Institution, it
must provide the track record information only for its Certified CDFI Subsidiary Insured Depository Institution
that will administer the SDL Program Award.
Table 2a is focused on the Applicant’s track record of providing small dollar loan products that meet the criteria
outlined in the FY 2026 SDL Program NOFA. Do not include loans that do not meet the NOFA requirements. The
information should reflect only the small dollar loans made by your organization. All data entered in Table 2a
should be based on the date the small dollar loans closed.
Table 2a – Track Record – Existing Small Dollar Loan
Products
Track Record (in $/#)
by Fiscal Year End
Applicants should only provide information about its
small dollar loan program that meets the FY 2026 SDL
Program NOFA requirements.
AMIS Field
Name
Notes/Guidance
Field Type
2022
2023
2024
Track Record in
FY?
Indicate whether the Applicant
has track record of providing
small dollar loans in each of
the fiscal years.
Picklist
(Yes/No)
Yes/No
Yes/No
Yes/No
Closed Loans
($)
Enter the dollar amount of
closed small dollar loans in
each year.
Currency
$___
$____
$____
Closed Loans
(#)
Enter the number of closed
small dollar loans in each year.
Number
#___
#____
#____
Average Loan
Size ($)
Auto-Calc
Currency
Auto-Calc
Auto-Calc
Auto-Calc
Delinquency
Rate (90+ days)
Enter the 90+ day delinquency
rate in each year for the small
dollar loan portfolio.
Percentage
%____
%____
%____
Total (Average)
N/A
Auto-Calc
Auto-Calc
Auto-Calc
Avg Calc
CDFI FUND | FY 2026 SDL Program Application Instructions - DRAFT
45
Table 2a – Track Record – Existing Small Dollar Loan
Products
Track Record (in $/#)
by Fiscal Year End
Applicants should only provide information about its
small dollar loan program that meets the FY 2026 SDL
Program NOFA requirements.
AMIS Field
Name
Notes/Guidance
Field Type
Write-Offs ($)
Enter the total amount of
write-offs in each year for the
small dollar loan portfolio.
Currency
$____
$____
$____
Write-Offs (#)
Enter the total number of
write-offs in each year for the
small dollar loan portfolio.
Number
#____
#____
#____
Write-off (%)
Auto-Calc
Percentage
Auto-Calc
Auto-Calc
Auto-Calc
Loan Loss
Reserves ($)
Enter the amount of LLR in
each year for the small dollar
loan portfolio.
Currency
$____
$____
$____
Loan Loss
Reserves (%)
Auto-Calc
Percentage
%____
%____
%____
CDFI FUND | FY 2026 SDL Application Instructions
2022
2023
2024
Total (Average)
Auto-Calc
Auto-Calc
Auto-Calc
Auto-Calc
Avg Calc
46
Table 2b: Small Dollar Loan program Projections
Instructions for Table 2b: All Applicants need to complete Table 2b. Please provide the information requested
about the Applicant’s projected volume for the small dollar loan product(s) that the SDL Program Award request
will support in Table 2b. Table 2b should only contain data for activities the Applicant intends to undertake as
a result of the Applicant’s requested FY 2026 SDL Program Award. Do not include data on activities unrelated
to the Applicant’s requested SDL Program Award. The projections in Table 2b will be used to determine the
Performance Goals for the Award and will become conditions of the Assistance Agreement, if the Applicant is
selected to receive an SDL Program Award. If the Applicant is a Certified CDFI Depository Institution Holding
Company that intends to carry out the activities of an SDL Program Award through its Subsidiary Certified CDFI
Insured Depository Institution, it should include projected data by the Subsidiary Certified CDFI Insured
Depository Institution that will administer the SDL Program Award.
Table 2b focuses on the Applicant’s small dollar loan program and its projected small dollar loans that the
Applicant will provide to borrowers through a program that the SDL Program Award will support, if selected for
award. As a reminder, the SDL Program Award will support the Applicant’s small dollar loan program that offers
small dollar loans to consumers that meets the statutory requirements described in the FY 2026 SDL Program
NOFA.
Be sure to assess your capabilities and historical financial data when completing Table 2b, as selected data
provided in this table will be used to establish the Performance Goals the organization must meet if you receive
an SDL Program Award.
The dollar amounts and loan numbers should reflect only the small dollar loans that will be made by the
Applicant with the support of the FY 2026 SDL Program Award. The Applicant should not include activities that
are not directly supported by the FY 2026 SDL Award request.
The PG&Ms will be determined, in part, on the information that the Applicant provides in the projection table. If
the Applicant is selected to receive an SDL Program Award, it must meet annual PG&Ms in order to remain
compliant with its Award.
Data Validations in Table 2b
The following data validations are in place to ensure that accurate data is entered in Table 2b. Applicants will not
be able to complete this table and submit the Application with validation errors.
TA-Only Applicants
•
For each of the three projected years loans closed must be $2,500 or less.
LLR-Only Applicants & LLR and TA Applicants (Combo Applicants)
•
For each of the three projected years loans closed must be $2,500 or less.
CDFI FUND | FY 2026 SDL Application Instructions
47
•
•
The average Loan Loss Reserves percentage for the three projected years must be 20% or less of the
average Closed Loans amount.
The Total Loan Loss Reserves Amount (the last row in the table) must equal the LLR Award Request
Amount in Application Question 4a.
Table 2b – Projections for Applicant’s small dollar loan
program that the SDL Program Award will support
AMIS Field
Name
Notes/Guidance
Field Type
Projected Amount (in $/#)
by Fiscal Year End
Period of Period of Period of
Performa Performa Performa
nce
nce
nce
Year 1
Year 2
Year 3
$______
Total
(Average)
Auto-Calc
Closed Loans
($)
Enter the projected dollar amount
of closed loans for each year.
Currency
$____
$______
Closed Loans
(#)
Enter the projected number of
closed loans for each year.
Number
#____
#______
Average Loan
Size ($)
Auto-Calc
Currency
Auto-Calc
Auto-Calc
Auto-Calc
Delinquency
Rate (90+ days)
Enter the projected 90+ day
delinquency rate in each year.
Percentage
%___
%______
%______
Write-offs ($)
Enter the projected total dollar
amount of write-offs in each year.
Currency
$____
$______
$______
Auto-Calc
Write-offs (#)
Enter the projected total number
of write-offs in each year.
Number
#____
#______
#______
Auto-Calc
Write-offs (%)
Auto-calc
Percentage
Auto-Calc
Auto-Calc
Auto-Calc
Auto-Calc
Loan Loss
Reserves ($)
Enter the projected amount of LLR
in each year.
Currency
$____
$______
$______
Auto-Calc
Loan Loss
Reserves (%)
Auto-calc
Percentage
Auto-Calc
Auto-Calc
Auto-Calc
Financial
Education,
including Credit
counseling (#)
Average Credit
Score (#)
Enter the projected number of
borrowers to receive financial
counseling in each year.
Enter the projected average
borrower credit score for each
year.
CDFI FUND | FY 2026 SDL Application Instructions
#______
Auto-Calc
Auto-Calc
Avg Calc
Auto-Calc
Auto-Calc
Number
#____
#______
#______
Number
#____
#______
#______
Auto-Calc
48
CDFI FUND | FY 2026 SDL Application Instructions
49
Appendix 3: Key Personnel
The Applicant may enter up to 10 individuals (from the management team, staff, consultants, or contractors)
who are integral to the implementation of the Applicant’s small dollar loan program that the SDL Program
Award will support. Do not include members of the Board of Directors. The CDFI Fund will only evaluate the 10
individuals entered in the Key Personnel Appendix.
FOR CERTIFIED CDFI DEPOSITORY INSTITUTION HOLDING COMPANIES ONLY: If the Applicant is a Certified CDFI Depository
Institution Holding Company that intends to carry out the activities of an SDL Program Award through its
Subsidiary Certified CDFI Insured Depository Institution, be sure to include information on key personnel of the
Subsidiary Certified CDFI Insured Depository Institution that will administer the SDL Program Award.
Key Personnel
AMIS Field Name
Response
Notes
Field Type
Name
__________
Enter the name of the key personnel.
Text
Title
__________
Enter the title of the key personnel.
Text
Firm
__________
Enter the name of the firm with which the key
personnel are affiliated.
Text
Years in the Field
__________ years
Enter the number of years key personnel has
worked in the field.
Numeric
Years with
Applicant
Position Held with
Applicant (select all
that apply)
__________ years
Executive Director or
Equivalent
Chief Financial Officer or
Equivalent
Loan / Investment Officer
or Equivalent
Development Officer
Compliance Officer
Contracted Consultant
Other Key Management
Other Position Held with
the Applicant
If Other, Please
Specify
______________
CDFI FUND | FY 2026 SDL Application Instructions
Enter the number of years key personnel has
worked for the Applicant.
You may select more than one option if the
person has held or holds more than one
position with the Applicant.
Numeric
Check Boxes
50
AMIS Field Name
Duties to be
performed for the
Applicant (select all
that apply)
Response
Capital-Raising
Asset Management (Loan
Portfolio)
Program Compliance
Sourcing/Loan
Underwriting
Loan Servicing
Community Outreach
Legal Services
Other Duties to be
Performed
Notes
Field Type
• Select the duties the individual will perform
relative to administering the requested SDL
Program Award.
• The Applicant may select more than one
option if the person will perform more than
one duty.
Check Boxes
• Select whether the individual has
experience performing duties relative to
administering the requested SDL Program
Award.
• The Applicant may select more than one
option for each individual.
Check Boxes
If Other Duties to be
performed, please Specify
__________
Experience of key
personnel that will
perform relevant
duties (select all
that apply)
Capital-Raising
Asset Management (Loan
Portfolio)
Program Compliance
Sourcing/Loan
Underwriting
Loan Servicing
Community Outreach
Legal Services
Other Duties to be
Performed
If key personnel have
experience performing
Other Duties, please
specify __________
CDFI FUND | FY 2026 SDL Application Instructions
51
Appendix 4: Previous CDFI Fund Awards
The following information is for each of the prior CDFI Fund awards that the Applicant and/or any Affiliates have
received (as of the Application deadline) and will be auto-populated by AMIS.
Previous CDFI Fund Awards
AMIS Field Name
Response
Notes
Field Type
Name of Award
Award Name to be populated
AutoPopulated
Award Amount to be populated
AutoPopulated
Award Date to be populated
AutoPopulated
Control Number to be populated
AutoPopulated
Award Amount
Award Date
Control/Award
Number
Auto-populated
Auto-populated
Auto-populated
Auto-populated
CDFI FUND | FY 2026 SDL Application Instructions
52
Appendix 5: Application Financial Data Inputs
This Appendix provides a list of all required Application Financial Data input fields organized by Institution Type:
(i) Unregulated Applicants, (ii) Credit Union Applicants, (iii) Bank and Bank Holding Company Applicants, and (iv)
cooperativa Applicants. For convenience, the CDFI Fund has also provided a blank Excel workbook entitled
“Application Financial Data Inputs Workbook” that can be used by Applicants to gather all required Application
Financial Data offline before entering it into AMIS.
Note that each Application Financial Data input field is required in AMIS and you will not be able complete the
Application Financial Data subsection until all fields are populated with a numeric value greater than or equal to
zero (“> 0”).
Note: For any item that is listed where your organization has no data, you must enter the number zero (“0”).
AMIS will return a red error message if the required response to a field is not provided.
All numbers related to an Applicant’s equity and loan portfolios must be entered as a positive whole integer,
greater or equal to zero (“> 0”). This includes the line item for “Allowance for Loan and Lease Losses” (ALLL)
listed under the “Assets” grouping on the Application Financial Data Input page. Auditors commonly express
ALLL as a contra asset and present it as a negative number on audited financial statements. In such instances,
where ALLL is a negative number on an Applicant’s financial statements, the Applicant must convert this number
to its absolute value (a positive number) and enter this positive number in the Application Financial Data inputs
subsection for the ALLL line item.
In instances other than line items related to the Applicant’s equity and loan portfolios where the Applicant has a
negative value expressed on its Audit or internal financial statements, Applicants are to enter a zero (“0”) on the
corresponding line item on the Application Financial Data inputs page. Applicants who need to enter a “0”
instead of a negative number(s) are to provide an explanation of each of these entries in the “Application
Narrative” subsection under the “Financial Position” question response box.
CDFI FUND | FY 2026 SDL Application Instructions
53
Financial Data Inputs for Unregulated Applicants
Background
The following table provides guidance and definitions for entering required Application Financial Data inputs into AMIS for Unregulated
Applicants. To ease the use of this appendix, line items are organized in groups (Assets, Liabilities, Net Assets, Income/Revenue, Expenses, Loan
Portfolio, and Equity Portfolio), and appear in the same order as they appear online in the AMIS Application Financial Data inputs page (as
opposed to being organized alphabetically).
In instances where the required Application Financial Data inputs have a corresponding definition within Generally Accepted Accounting
Principles (GAAP), the definitions are drawn directly from GAAP. In instances where there is no corresponding concept defined in GAAP, the CDFI
Fund has provided definitions to aid Applicants in entering the correct Application Financial Data inputs in AMIS.
Historic years are based on the three most recent competed audited fiscal year ends. Applicants should enter financial data that aligns with
financial audits or call reports. Current year is the fiscal year the Applicant is currently in. The Projected period starts with the period of the next
fiscal year. The years are automatically generated based on most recent completed audit. Note: For Applicants without audited statements, the
most recent completed fiscal year should be the final historic year. Applicants are required to confirm accurate years for Historic, Current and
Projected when the Application is opened.
Unregulated Applicant Financial Data
AMIS Field Name
Notes/Guidance
Required in AMIS for:
Also referred to as:
Historic
Current
Projected
N/A
✓
✓
✓
Restricted Cash:
Operations. Restricted
Operating Cash.
Restricted Cash
(Operations).
✓
✓
Assets
1.
2.
Unrestricted Cash and Cash
Equivalents ($)
The value of unencumbered assets that are cash or can be
converted into cash within 3 months.
Cash Restricted for
Operations ($)
The dollar amount of cash, if any, restricted by a CDFI to fund
its operations. Restricted cash appears noted on a CDFI’s
balance sheet as either "restricted cash" or as "other assets"
restricted for operations.
54
Unregulated Applicant Financial Data
AMIS Field Name
Required in AMIS for:
Notes/Guidance
Also referred to as:
Historic
Current
Other property. Other
real property. Distinct
from Property, Plant
and Equipment
(PP&E).
✓
✓
Projected
3.
Other Real Estate Owned
(OREO) ($)
In general, real estate, including capitalized and operating
leases, that is acquired through any means, in full or partial
satisfaction of a Debt previously contracted.
4.
Current Assets ($)
Cash and other Assets or resources commonly identified as
those which are reasonably expected to be realized in cash or
sold or consumed during the normal operating cycle of the
business (or one year whichever is longer).
Total current assets.
✓
✓
5.
Allowance for Loan and
Lease Losses ($)
Account value for unidentified Loan or Investment losses,
inclusive of depository loss reserve as of the reporting period
end. This appears as a contra Asset on the balance sheet.
Allowance for Loan
Losses (ALL). Loan Loss
Reserves (LLR).
✓
✓
6.
Total Assets ($)
The total value of the sum of all Assets.
Total Current and
Long-Term Assets.
✓
✓
The value of Debts, obligations, or Payables due within 12
months.
Current Liabilities.
✓
✓
Unrestricted Net Assets ($)
Unrestricted Net Assets is the part of Net Assets of a nonprofit
organization that is neither “Permanently Restricted” nor
“Temporarily Restricted” by donor-imposed stipulations.
UNA. Unrestricted Net
Assets and Equity.
✓
✓
✓
Available Financing Capital
($)
Assets that can be used for financing activities that have not
already been committed, disbursed, or restricted for other
purposes. Capital can include debt, grants, net assets, retained
earnings, deposits, and secondary capital.
Capital Available for
Financing. Capital
Available (Financing).
Total Capital
Available: Financing.
✓
✓
✓
✓
Liabilities
7.
Total Current Liabilities ($)
Net Assets
8.
9.
55
Unregulated Applicant Financial Data
AMIS Field Name
Notes/Guidance
10. Total Financing Capital ($)
All capital either currently available or currently in use for
financing activities. Capital can include debt, grants, net assets,
retained earnings, deposits, and secondary capital. Note: This
data point includes “Available Financing Capital ($)” and
therefore should be equal to or greater than the value entered
for “Available Financing Capital ($)” above.
11. Total Net Assets or Equity
($)
The residual interest in the Assets of an entity that remains
after deducting its Liabilities. Liabilities include all
”Unrestricted,” “Temporarily Restricted” and “Permanently
Restricted” Net Assets.
Required in AMIS for:
Also referred to as:
Historic
Current
Projected
Total Capital:
Financing.
✓
✓
✓
Total Equity Capital.
Net Assets. Net
Worth. Total Net
Worth.
✓
✓
12. Interest Revenue ($)
A financial measure calculated as the sum of money the
institution earns in interest on its assets (commercial loans,
personal mortgages, etc.). This figure is calculated by adding up
the amount of interest earned on assets.
Total Interest
Revenue. Interest
Income. Total Interest
Income.
✓
✓
13. Earned Revenue ($)
Revenue generated by Assets and activities, excluding Grants
and Contributions. Note: For CDFIs earned revenue typically
includes interest revenue and payment received for providing
programs and services.
Total Earned Revenue.
✓
✓
14. Operating Revenue ($)
Revenue generated by Assets and activities, including Grants
and Contributions.
Total Operating
Revenue.
✓
✓
✓
15. Government Grants ($)
Financial assistance provided by Federal, State and Local
Agencies to carry out a public purpose authorized by law, not
including subsidies, Loans, Loan Guarantees, or insurance.
Government Grants.
✓
✓
✓
Income/Revenue
56
Unregulated Applicant Financial Data
AMIS Field Name
Notes/Guidance
16. Total Revenue ($)
The total value of Income from all sources within the current
operating cycle.
Required in AMIS for:
Also referred to as:
Historic
Current
Projected
Total Income.
✓
✓
✓
Total Interest
Expenses.
✓
✓
Total Operating
Expenses. Op. Ex.
✓
✓
19. Non-cash Expenses ($)
Non-cash expenses are “paper” expenses and do not involve an
outflow of cash. Such non-cash expenses include depreciation
expense and allowance for loan and lease losses expense on
the income statement.
Non-cash Expenses.
✓
✓
20. Total Expenses ($)
The total value of all operational and non-operational Expenses
(including Interest, financing cost, depreciation, amortization,
and loan loss provision) incurred during the current reporting
period, not including provision for income tax.
Total Expenses.
✓
✓
Expenses
17. Interest Expense ($)
18. Operating Expense ($)
The cost incurred by an entity for borrowed funds. Interest
Expense is an expense shown on the income statement. It is
essentially calculated as the interest rate times the outstanding
principal amount of the debt.
Expenses related to everyday business operations, such as
Interest Expense, staff salaries, professional fees, depreciation,
and Provision for Loan Losses, among others.
✓
✓
Loan Portfolio
57
Unregulated Applicant Financial Data
Required in AMIS for:
AMIS Field Name
Notes/Guidance
Also referred to as:
Historic
Current
Projected
21. Total On-Balance Sheet
Loan Portfolio ($)
The gross dollar amount ($) of loans receivable as reported in
the organization’s statement of financial condition or balance
sheet. Gross loans receivable are the principal amount of loans
receivable held by an organization that represents the amount
still owed to the organization by its borrowers without giving
effect to any allowance for the collectability thereof (i.e. before
loan loss reserves are calculated). In contrast to “On-Balance
Sheet Loans Closed ($)”, this entry reflects the amount
outstanding at a specific date in time at the end of the
reporting period.
On-Balance Sheet
Loan Portfolio. Total
Loan Portfolio. Total
Outstanding Loan
Portfolio.
✓
✓
✓
22. Total On-Balance Sheet
Loan Portfolio (#)
The total number (#) of loans receivable as reported in the
organization’s statement of financial condition or balance
sheet.
On-Balance Sheet
Loan Portfolio (total
number of loans).
✓
✓
✓
23. Commitments ($)
The total dollar amount ($) of loan and Equity Investment
commitments made by a CDFI to borrowers or investees that
have not yet been disbursed, but for which the CDFI has
reserved cash, cash equivalents, or other assets to fund at a
later date (e.g., a loan that is closed but not yet disbursed; a
loan that has been provisionally approved, but will not be
closed or disbursed until a borrower meets certain terms and
conditions; a loan that has been approved by a loan committee,
but not yet closed).
Commitments.
✓
✓
✓
24. On-Balance Sheet Loans
Closed ($)
The gross dollar amount ($) of loans closed during the reporting
period. In contrast to the “Total On-Balance Sheet Loan
Portfolio ($)” this entry reflects activities over the reporting
period, as opposed to an amount outstanding at a specific date
in time at the end of the reporting period.
On-Balance Sheet
Loans Closed ($).
✓
✓
✓
58
Unregulated Applicant Financial Data
AMIS Field Name
Notes/Guidance
Required in AMIS for:
Also referred to as:
Historic
Current
Projected
25. On-Balance Sheet Loans
Closed (#)
The total number (#) of loans closed during the reporting
period. In contrast to the “Total On-Balance Sheet Loan
Portfolio (#)”, this entry reflects activities over the reporting
period, as opposed to an amount outstanding at a specific date
in time at the end of the reporting period.
On-Balance Sheet
Loans Closed (#).
✓
✓
✓
26. Charge-offs ($)
The dollar amount ($) of a receivable, primarily a loan, that has
been determined to be a loss or non-recoverable during the
repayment cycle and that has been taken off the balance sheet
as a loss during the reporting period. This is a direct reduction
of the carrying amount of a financial asset measured at
amortized cost resulting from non collectability. A financial
asset is considered uncollectible if the entity has no reasonable
expectation of recovery.
Charge-off. Write-off.
Bad Debt Expense.
✓
✓
27. Charge-offs (#)
The total number (#) of receivables, primarily loans, that have
been determined to be a loss or non-recoverable during the
repayment cycle and that have been taken off the balance
sheet as a loss during the reporting period.
Charge-off. Write-off.
Bad Debt Expense.
✓
✓
28. Troubled Debt
Restructuring ($)
The total dollar amount ($) of all debt restructured during the
reporting period by a creditor for economic or legal reasons
related to the debtor’s financial difficulties and/or inability to
pay and perform as agreed.
TDR
✓
✓
29. Recoveries ($)
The total dollar amount ($) of all gross recoveries on chargedoff loans, less any related expenses, collected during the
current reporting period.
Recoveries on
Previously Charged
Off Loans.
✓
✓
30. Recoveries (#)
The total number (#) of loans with gross recoveries collected on
during the current reporting period. This is the count (#) of
loans included in the Recoveries ($) line item above.
Recoveries on
Previously Charged
Off Loans.
✓
✓
59
Unregulated Applicant Financial Data
Required in AMIS for:
AMIS Field Name
Notes/Guidance
Also referred to as:
Historic
Current
Projected
31. Loans 90 Days (or more)
Past Due ($)
The total dollar amount ($) amount of all loans 90 or more days
past due. Loans should be considered past due if any part of
the payment is past due.
Total loans 90+ days
past due. PAR 90.
✓
✓
32. Loans 90 Days (or more)
Past Due (#)
The total number (#) of all loans 90 or more days past due.
Loans should be considered past due if any part of the payment
is past due.
Total loans 90+ days
past due. PAR 90.
✓
✓
33. Loans Delinquent 61 to 89
days ($)
The total dollar amount ($) amount of all loans 61 to 89 days
past due. Loans should be considered past due if any part of
the payment is past due.
Total loans 61 to 89
days past due.
✓
✓
34. Loans Delinquent 61 to 89
days (#)
The total number (#) of all loans 61 to 89 days past due. Loans
should be considered past due if any part of the payment is
past due.
Total loans 61 to 89
days past due.
✓
✓
35. On-Balance Sheet Loan
Guarantees Made ($)
Total on-balance sheet capital put at risk by the organization
for loan guarantees made during the reporting period. Capital
put at risk includes cash or investments set aside to
collateralize loan guarantees. In contrast to “Total On-Balance
Sheet Loan Guarantees Outstanding ($),” this entry reflects
activities over the reporting period, as opposed to an amount
outstanding at a specific date in time at the end of the
reporting period.
On-Balance Sheet
Loan Guarantees
Made ($)
✓
✓
✓
36. Total On-Balance Sheet
Loan Guarantees
Outstanding ($)
Total on-balance sheet capital put at risk for loans guaranteed
by the organization. Capital put at risk includes cash or
investments set aside to collateralize the guaranty. In contrast
to “On-Balance Sheet Loan Guarantees Made ($),” this entry
reflects the amount of capital put at risk for loan guarantees at
a specific date in time at the end of the reporting period.
Total On-Balance
Sheet Loan
Guarantees
Outstanding ($).
✓
✓
✓
Equity Portfolio
60
Unregulated Applicant Financial Data
AMIS Field Name
Notes/Guidance
37. Equity Investments Exited
this Year ($)
Required in AMIS for:
Also referred to as:
Historic
Current
Projected
The total dollar amount ($) of Equity Investments exited during
the reporting period.
Equity Investments
Exited this Year.
✓
✓
38. Equity Investments Exited
this Year (#)
The total number (#) of Equity Investments exited during the
reporting period.
Equity Investments
Exited this Year.
✓
✓
39. Investments Written-Off
this Year ($)
The total dollar amount ($) of Equity Investments determined
to be a loss during the reporting period.
Investments WrittenOff this Year
✓
✓
40. Investments Written-Off
this Year (#)
The total number (#) of Equity Investments determined to be a
loss during the reporting period.
Investments WrittenOff this Year.
✓
✓
41. Total Equity Investments
Portfolio ($)
The total dollar amount ($) of Equity Investments held by an
organization in companies in which it owns stock or other
forms of ownership interest as reported in the organization’s
statement of financial condition or balance sheet. Total
Outstanding Equity Investment Portfolio should reflect the
valuation of the organization’s interests after making
adjustments for any investment gains or losses. In contrast to
“Total Equity Investments Closed ($),” this entry reflects the
valuation of equity investments at a specific date in time at the
end of the reporting period.
Equity Investments.
Outstanding Equity
Investment Portfolio.
✓
✓
✓
42. Total Equity Investments
Portfolio (#)
The total number (#) of Equity Investments held by an
organization in portfolio companies in which it owns stock or
other forms of ownership interest as reported in the
organization’s statement of financial condition or balance
sheet. In contrast to “Total Equity Investments Closed (#),” this
entry reflects the number of equity investments at a specific
date in time at the end of the reporting period.
Equity Investments.
✓
✓
✓
61
Unregulated Applicant Financial Data
Required in AMIS for:
AMIS Field Name
Notes/Guidance
Also referred to as:
Historic
Current
Projected
43. Total Equity Investments
Closed ($)
The gross dollar amount ($) of equity investments closed during
the reporting period. In contrast to the “Total Equity
Investments Portfolio ($),” this entry reflects activities over the
reporting period, as opposed to the valuation of the
organization’s equity investments at a specific date in time at
the end of the reporting period.
Total Equity
Investments Closed.
✓
✓
✓
62
Financial Data Inputs for Credit Union Applicants
Credit Union Applicants should use information from their National Credit Union Administration’s (NCUA) Call Report Form 5300 (5300) and the
Financial Performance Report (FPR) to complete the Application Financial Data subsection in AMIS. Credit Union Applicants should not use information
from audited financial statements as terms and definitions may vary.
Credit Union Applicants are advised to use their best efforts to provide data for the financial inputs that have no corresponding Call Report references
by using the guidance provided below. Note that a Credit Union Applicant will not be penalized if it is unable to provide the data requested. The
CDFI Fund will continue to work with federal regulators to refine financial data points and improve the Application process.
Note: For any item that is listed where your organization has no data, you must enter the number zero (“0”). AMIS will return a red error message if
the required response to a field is not provided.
Financial Data Inputs for Credit Union Applicants
AMIS Inputs
Assets
Allowance for
Loan and Lease
Losses ($)
Total Assets ($)
Liabilities
Total Borrowings
($)
Equivalent 5300 or FPR Data Location
5300 Account
Number
FPR Reference
5300 Table Number
719 or AS0048; Page
2 item 20 or 21
Page 1 (Allowance for Loans & Leases)
FS220
Page 1 (Total Assets)
FS220
FPR Reference
5300 Table Number
Page 5 (Other Borrowings + Other Notes,
Promissory Notes, Interest Payable, and
Draws Against Lines of Credit + Borrowing
Repurchase Transactions + Subordinated
Debt + Uninsured Secondary Capital and
Subordinated Debt included in NW)
FS220
010; Page 2 item 28
5300 Account
Number
860C; Page 3 item 6
63
AMIS Inputs
Equivalent 5300 or FPR Data Location
Shares/Deposits
5300 Account
Number
FPR Reference
5300 Table Number
Total Shares and
Deposits ($)
018; Page 3 item 19
Page 1 (Total Shares & Deposits)
FS220
Net Worth
5300 Account
Number
FPR Reference
5300 Table Number
Total Net Worth
($)
997; Page 12 item 8
Page 5 (Total Net Worth)
FS220A
Income/Revenue
5300 Account
Number
FPR Reference
5300 Table Number
115; Page 5 item 5
Page 6 (Total Interest Income)
FS220A
661A; Page 5 item 33
5300 Account
Number
Page 6 (Net Income)
FS220A
FPR Reference
5300 Table Number
Total Interest
Expense ($)
350; Page 5 item 9
Page 6 (Total Interest Expense)
FS220A
Loan Portfolio
5300 Account
Number
FPR Reference
5300 Table Number
Total On-Balance
Sheet Loan
Portfolio ($)
025B; Page 2 item 19
Page 4 (Total Loans & Leases)
FS220
Total Interest
Income ($)
Net Income ($)
Expenses
There is no corresponding FPR reference.
Total On-Balance
Sheet Loan
Portfolio (#)
025A; Page 2 item 19
On-Balance Sheet
Loans Closed ($)
031B; Page 6 item 15
On-Balance Sheet
Loans Closed (#)
031A; Page 6 item 15
Charge-offs ($)
550 ; Page 10 item 10
Use corresponding term defined for
Unregulated Applicants above.
Page 17 (Total Amount of Loans Granted
YTD)
There is no corresponding FPR reference.
Use corresponding term defined for
Unregulated Applicants above.
Page 9 (Total Loans Charged Off)
FS220
FS220
FS220
FS220
64
AMIS Inputs
Equivalent 5300 or FPR Data Location
Troubled Debt
Restructuring ($)
1001F; Page 17 item
1.F
Page 9 (Total TDR First RE, Other RE,
Consumer, and Commercial Loans)
FS220H
Recoveries ($)
551; Page 10 item 10
041B; Page 8 item
10b (Total Amount of
Reportable
Delinquent Loans)
Page 9 (Total Loans Recovered)
FS220
Page 7 (Total Del Loans - All Types (> = 60
Days))
FS220
Loans 60 Days (or
more) Past Due
($)
There is no corresponding FPR reference.
Loans 60 Days (or
more) Past Due
(#)
041A; Page 8 item
10a (Total Number of
Reportable
Delinquent Loans)
Total Loans
Delinquent 31 to
59 Days ($)
020B; Page 8 item
10b (30-59 days)
CDFI Fund Staff Program Staff
Comments:
The total number (#) of loans 60 or more
days past due. Loans should be
considered past due if any part of the
payment is past due.
Page 7 (30 to 59 Days Delinquent)
FS220A
FS220
There is no corresponding FPR reference.
Total Loans
Delinquent 31 to
59 Days (#)
On-Balance Sheet
Loan Guarantees
Made ($)
020A; Page 8 item
10a (30-59 days)
CDFI Fund Staff Program Staff
Comments:
The total number (#) of all loans 31 to 60
days past due. Loans should be
considered past due if any part of the
payment is past due.
There is no corresponding FPR reference.
FS220
This exact classification is not directly defined in 5300 accounts.
65
AMIS Inputs
Total On-Balance
Sheet Loan
Guarantees
Outstanding ($)
Equity Portfolio
Equity
Investments
Exited this Year
($)
Equity
Investments
Exited this Year
(#)
Equivalent 5300 or FPR Data Location
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding FPR reference.
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
5300 Account
Number
FPR Reference
5300 Table Number
There is no corresponding FPR reference.
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding FPR reference.
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding FPR reference.
Investments
Written-Off this
Year ($)
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding FPR reference.
Investments
Written-Off this
Year (#)
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
66
AMIS Inputs
Equivalent 5300 or FPR Data Location
There is no corresponding FPR reference.
Total Equity
Investments
Portfolio ($)
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding FPR reference.
Total Equity
Investments
Portfolio (#)
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding FPR reference.
Total Equity
Investments
Closed ($)
This exact classification is not directly defined in 5300 accounts.
Use corresponding term defined for Unregulated Applicants above.
Membership
Total
Membership (#)
Total Field of
Membership (#)
Total Members
(%)
5300 Account
Number
FPR Reference
5300 Table Number
083; Page 7 item 2
Page 17 (Num Current Members)
FS220
084; Page 7 item 3
Page 17 (Num Potential Members)
FS220
(083÷084); Page 7
item 2 ÷ Page 7 item
3
Page 17 (% Current Members to
Potential Members)
FS220
There is no corresponding FPR reference.
Total Financial
Services Provided
(#)
This exact classification is not directly defined in 5300 accounts.
Aggregate number of Financial Services provided including number of checking, savings
accounts, check cashing, money orders, certified checks, automated teller machines,
deposit taking, safe deposit box services, and other similar services, over the 12-month
reporting period.
67
Financial Data Inputs for Bank and Bank Holding Company Applicants
Bank and Bank Holding Company Applicants should use information from their respective Call Reports to complete the Application Financial Data
subsection in AMIS. Bank and Bank Holding Company Applicants should not use information from audited financial statements as terms and definitions
may vary.
Bank and Bank Holding Company Applicants are advised to make their best effort to provide data for the financial inputs that have no corresponding
Call Report references by using the guidance provided, however Bank and Bank Holding Company Applicants will not be penalized if they are unable
able to provide the data requested. The CDFI Fund will continue to work with federal regulators to refine financial data points and improve the
Application process.
In instances where there is no corresponding Uniform Bank Performance Report (UBPR) Concept Description provided in the crosswalk table, the
comments provided by the CDFI Fund will aid Applicants in completing the Application Financial Data subsection in AMIS.
Note for Bank Holding Company Applicants: Bank Holding Company Applicants with a Subsidiary bank entity that will use the SDL Program Award
should use the financial information of the Subsidiary bank entity when completing the Application Financial Data section.
Note: For any item that is listed where your organization has no data, you must enter the number zero (“0”). AMIS will return a red error message if
the required response to a field is not provided.
68
Financial Data Inputs for Bank/Bank Holding Company Applicants
AMIS Inputs
Assets
Unrestricted
Cash & Cash
Equivalents ($)
Allowance for
Loan and
Lease Losses
($)
Equivalent UBPR Data Location
UBPR
Concept
UBPR0081
UBPR Page No.
& UBPR
Concept
Description
Call Report Item
Page 4 – Noninterest Bearing
Cash and Due
From Bank
Schedule RC
items 1a (RCFD
0081 = NonInterest Bearing
Balances and
Coin and
Currency) plus RC
item 1b (RCFD
0071 = Interestbearing balances)
UBPR Concept Description
UBPR0081
DESCRIPTION: Non-interest-Bearing
Cash and Due From Banks
NARRATIVE: Total currency, coin, and
non-interest bearing balances due from
depository institutions.
FORMULA: ExistingOf(cc:RCFD0081[P0],
cc:RCON0081[P0])
UBPR3123
DESCRIPTION: Loan and Lease
Allowance
UBPR3123
Page 4 - Loans
and Leases
Allowance
Schedule RC item
4c (RCFD 3123)
NARRATIVE: The allowance for loan and
lease losses.
FORMULA: IF(uc:UBPRC752[P0] =
31,cc:RCFD3123[P0],IF(uc:UBPRC752[P0
] = 41,cc:RCON3123[P0], NULL))
69
AMIS Inputs
Equivalent UBPR Data Location
UBPRE878
DESCRIPTION: Average Assets During
Quarter
Average
Assets ($)
UBPRE878
Page 4 Average Assets
During Quarter
Schedule RC-K
item 9 (RCFD
3368)
NARRATIVE: Average assets for one
quarter from Call Report Schedule RC-K.
FORMULA: IF(uc:UBPR3368[P0] >
0,uc:UBPR3368[P0],IF(uc:UBPR3368[P0]
< 1,uc:UBPR2170[P0], NULL))
Earning Assets
($)
UBPRE123
Page 4 - Total
Earning Assets
Schedule RC
items 2a, plus 2b,
plus 4d (a. Heldto-maturity
securities (from
Schedule RC-B,
column A) RCFD
1754 -- b.
Available-for-sale
securities (from
Schedule RC-B,
column D) RCFD
1773) -- plus d.
Loans and leases
held for
investment, net
of allowance
(item 4.b minus
4.c) RCFD B529
UBPRE123
DESCRIPTION: Total Earning Assets
NARRATIVE: Sum of Net Loans and
Leases and Total Investments.
FORMULA: uc:UBPRE119[P0] +
uc:UBPRE122[P0]
70
AMIS Inputs
Equivalent UBPR Data Location
UBPR2170
DESCRIPTION: Total Assets
Total Assets
($)
UBPR2170
Page 4 - Total
Assets
Schedule RC item
12 -RCFD 2170
NARRATIVE: Total Assets from Call
Report Schedule RC.
FORMULA: IF(uc:UBPRC752[P0] =
31,cc:RCFD2170[P0],
IF(uc:UBPRC752[P0] =
41,cc:RCON2170[P0], NULL))
Liabilities
UBPR
Concept
UBPR Page No.
& UBPR
Concept
Description
Call Report Item
UBPR Concept Description
UBPRD662
Total
Liabilities ($)
UBPRD662
Page 4 - Total
Liabilities
(Including
Mortgages)
21. Total
Liabilities (sum of
items 13 through
20) RCFD 2948
DESCRIPTION: Total Liabilities (Including
Mortgages)
NARRATIVE: Total Liabilities (excluding
notes and debentures subordinated to
deposits).
FORMULA: uc:UBPRD119[P0]
Net Assets
UBPR
Concept
UBPR Page No.
& UBPR
Concept
Description
Call Report Item
UBPR Concept Description
71
AMIS Inputs
Equivalent UBPR Data Location
UBPR8274
DESCRIPTION: Tier 1 Capital Allowable
Under the Risk-Based Capital Guidelines
NARRATIVE: Tier 1 Capital Allowable
Under the Risk-Based Capital Guidelines
Tier 1 Capital
($)
UBPR8274
Page 11A - Tier
1 Capital
Allowable
Under the RiskBased Capital
Guidelines
Income/
Revenue
UBPR
Concept
UBPR Page No.
& UBPR
Concept
Description
Schedule RC-R
item 26. (sum of
items 19 and 25)
RCFA 8274
Call Report Item
FORMULA: if(uc:UBPRC752[P0] = 31 and
ExistingOf(cc:RCONN256[P0], false) =
true, cc:RCFA8274[P0],
if(uc:UBPRC752[P0] =
41 and ExistingOf(cc:RCONN256[P0],
false) = true, cc:RCOA8274[P0],
if(uc:UBPRC752[P0] = 31 and
uc:UBPR9999[P0]>'2015-01-01',
cc:RCFA8274[P0], if(uc:UBPRC752[P0] =
41 and uc:UBPR9999[P0]>'2015-01-01',
cc:RCOA8274[P0], if(uc:UBPRC752[P0] =
31, cc:RCFD8274[P0],
if(uc:UBPRC752[P0] =
41,cc:RCON8274[P0], NULL))))))
UBPR Concept Description
72
AMIS Inputs
Equivalent UBPR Data Location
UBPR4107
DESCRIPTION: Total Interest Income
(TE)
Total Interest
Income ($)
UBPR4107
Page 2 - Total
Interest Income
(TE)
Schedule RI item
1h. = Total
interest income
(sum of items
1.a.(3) through
1.g) RIAD 4107
NARRATIVE: Sum of income on loans
and leases on a tax equivalent basis +
investment income on a tax equivalent
basis + interest on interest bearing bank
balances + interest on federal funds sold
and security resales + interest on trading
account assets.
FORMULA: uc:UBPR4010[P0] +
cc:RIAD4065[P0] + cc:RIAD4115[P0] +
uc:UBPRD398[P0] +
ExistingOf(cc:RIAD4069[P0], '0') +
cc:RIAD4020[P0] + cc:RIAD4518[P0] +
uc:UBPRD405[P0]
UBPR4340
Net Income ($)
UBPR4340
Page 2 - Net
Income
Net income (loss)
attributable to
bank, RIAD 4340,
NETINC
DESCRIPTION: Net Income
NARRATIVE: Net Income from Call
Report Schedule RI.
FORMULA: cc:RIAD4340[P0]
Expenses
UBPR
Concept
UBPR Page No.
& UBPR
Concept
Description
Call Report Item
UBPR Concept Description
73
AMIS Inputs
Equivalent UBPR Data Location
Interest
Expense ($)
RIAD4073
Loan Portfolio
UBPR
Concept
Page 2 - Total
Interest
Expense
Schedule RI item
2 e. Total interest
expense (sum of
items 2.a through
2.d) RIAD 4073
23 Total Interest Expense 23.1 RIAD4073
UBPR Page No.
& UBPR
Concept
Description
Call Report Item
UBPR Concept Description
74
Total OnBalance Sheet
Loan Portfolio
($)
UBPRE386
Page 7 Average Total
Loans and
Leases
RC-K items 6.a.1.
Thru b. (RCON
3360) (2) Loans
secured by real
estate:
(a) Loans secured
by 1-4 family
residential
properties RCON
3465
(b) All other loans
secured by real
estate RCON
3466 3) Loans to
finance
agricultural
production and
other loans to
farmers RCON
3386 (4)
Commercial and
industrial loans
RCON 3387
(5) Loans to
individuals for
household,
family, and other
personal
expenditures: a)
Credit cards
RCON B561
(b) Other
(includes
revolving credit
plans other than
credit cards,
automobile loans,
and other
UBPRE386
DESCRIPTION: Average Total Loans &
Leases
NARRATIVE: Average total loans and
average lease financing receivables for
the first reporting period of the year and
for each subsequent reporting period
divided by the number of reporting
periods, from Call Report Schedule RC-K.
FORMULA: uc:UBPRD151[P0] +
uc:UBPRD272[P0]
75
AMIS Inputs
Equivalent UBPR Data Location
consumer loans)
RCON B562 b.
Total loans in
foreign offices,
Edge and
agreement
subsidiaries, and
IBFs RCFN 3360
Total OnBalance Sheet
Loan Portfolio
(#)
On-Balance
Sheet Loans
Closed ($)
On-Balance
Sheet Loans
Closed (#)
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
76
AMIS Inputs
Equivalent UBPR Data Location
UBPR4635
DESCRIPTION: Gross Loan Losses
Charge-offs ($)
Recoveries ($)
UBPR4635
RIAD4605
Page 7 - Gross
Credit Losses
Schedule RI-B
Charge-offs and
Recoveries and
Changes in
Allowances for
Credit Losses
Page 7 – Line 9
of Schedule RIB, Part I.
Charge-offs and
Recoveries on
Loans and
Leases
Schedule RI-B
Charge-offs and
Recoveries and
Changes in
Allowances for
Credit Losses.
NARRATIVE: Gross amount of loan and
lease losses year-to-date. Note that
gross loan losses includes the writedown taken on loans held for sale. This
item is added back to allow
reconcilement with loan loss data by
type of loan as reported on Call Report
Schedule RI-B, Section a.
FORMULA: IF(uc:UBPR9999[P0] > '200201-01',cc:RIADC079[P0] +
cc:RIAD5523[P0],IF(uc:UBPR9999[P0] <
'2002-01-01' AND
uc:UBPR9999[P0] > '2001-0401',cc:RIADC079[P0] +
uc:UBPRD582[P0],IF(uc:UBPR9999[P0] <
'2001-04-01' AND
uc:UBPR9999[P0] > '2001-0101',cc:RIAD4635[P0],NULL)))
Refer to Call Report RIAD4605
77
AMIS Inputs
Equivalent UBPR Data Location
UBPR1400
Loans 90 Days
(or more) Past
Due ($)
Loans 90 Days
(or more) Past
Due (#)
Loans
Delinquent 61
to 90 days ($)
Loans
Delinquent 61
to 90 days (#)
On-Balance
Sheet Loan
Guarantees
Made ($)
UBPR1400
Page 8 - Total
Non-Current
LN&LS
Schedule RC-N
item 9. Total
loans and leases
(sum of items 1
through 8.b)
Column B RCFD
1407
DESCRIPTION: Total Non-Current LN&LS
NARRATIVE: The sum of loans and
leases past due over 90 days and still
accruing interest and loans on
nonaccrual.
FORMULA: uc:UBPRD667[P0] +
uc:UBPRD669[P0]
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
Schedule RC-N
UBPRD668
item 9 Column A
(30 to 89 days
Page 8 –Past
DESCRIPTION: LN & LS 30-89 Days Past
and still
Due,
Due.
UBPRD668
accruing…). Total
Nonaccrual &
loans and leases
Restructured
NARRATIVE: Loans and leases past due
(sum of items 1
30 through 89 days and still accruing
through 8.b)....
interest.
RCFD 1406
There is no
N/A
corresponding
N/A
N/A
UBPR concept.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
78
AMIS Inputs
Equivalent UBPR Data Location
Total OnBalance Sheet
Loan
Guarantees
Outstanding
($)
Equity
Portfolio
Total Equity
Investments
Portfolio ($)
Total Equity
Investments
Portfolio (#)
Equity
Investments
Exited this
Year ($)
Equity
Investments
Exited this
Year (#)
Total Equity
Investments
Closed ($)
Investments
Written-Off
this Year ($)
Investments
Written-Off
this Year (#)
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
UBPR
Concept
UBPR Page No.
& UBPR
Call Report Item
UBPR Concept Description
Concept
Description
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
There is no corresponding UBPR concept.
Use corresponding term defined for Unregulated Applicants above.
79
AMIS Inputs
Equivalent UBPR Data Location
There is no corresponding UBPR concept.
Total Financial
Services
Provided (#)
Aggregate number of Financial Services provided in an Eligible Market and/or Target
Market including number of checking, savings accounts, check cashing, money orders,
certified checks, automated teller machines, deposit taking, safe deposit box services, and
other similar services, over the 12-month reporting period.
80
Financial Data Inputs for Cooperativa Applicants
Cooperativa Applicants should use information from their audited financial statements and Automatización de Informe Trimestral y Sistema Actuarial
(AITSA) to complete the Application Financial Data subsection in AMIS. Cooperativa Applicants are advised to use their best efforts to provide data for
the financial inputs that have no corresponding references by using the guidance provided below. Note that a cooperativa Applicant will not be
penalized if it is unable to provide the data requested. The CDFI Fund will continue to work directly with cooperativas and the Corporation for the
Supervision and Insurance of Financial Cooperatives (COSSEC) to refine financial data points and improve the Application process.
Note: For any item that is listed where the organization has no data, it must enter the number zero (“0”). AMIS will return a red error message if the
required response to a field is not provided.
AMIS Inputs
Equivalent Financial Statement Field
Allowance for
Loan and Lease
Losses ($)
Audited Financial
Statements in
Spanish
Provisión para
Préstamos
Incobrables
Total Assets ($)
Total de Activos
Total Assets
Liabilities
Audited Financial
Statements in
Spanish
Reference
Total
Borrowings ($)
Obligaciones por
Pagar
Liabilities-Accounts Payable
Assets
Reference
Loans and Provision for Possible Loan Losses
AITSA
11000
10000
AITSA
21000
81
AMIS Inputs
Equivalent Financial Statement Field
Shares/Deposits
Audited Financial
Statements in
Spanish
Reference
Total Shares and
Deposits ($)
Total de Acciones y
Depósitos ($)
Total Shares & Deposits
Net Worth
Audited Financial
Statements in
Spanish
Reference
Total Net Worth
($)
Total de Capital
Indivisible
Elements of Undistributed Capital
Income/Revenue
Audited Financial
Statements in
Spanish
Reference
Total Interest
Income ($)
Ingresos de Intereses
Total Interest Income (Interest on Loans +
Interest on Savings Accounts & CD +
Interest on Investment)
40500 + 41000 +
41500
Net Income ($)
Economía Neta
Net Income
80000
Expenses
Audited Financial
Statements in
Spanish
Reference
Total Interest
Expense ($)
Total Gasto de
Intereses
Total Interest Expense (Interest on Deposits
& Borrowed Money)
Loan Portfolio
Audited Financial
Statements in
Spanish
Reference
Total On-Balance
Sheet Loan
Portfolio ($)
Total On-Balance
Sheet Loan
Portfolio (#)
Total ($) de
Préstamos en Cartera
Número de
Préstamos en Cartera
Total Loans & Leases
Not Available in Audit Financial Statement.
Available in Quarterly Call Reports.
AITSA
20500 + 30500
AITSA
16530
AITSA
AITSA
50500 + 51000
AITSA
10500
Number of total
Loans (Loans
82
AMIS Inputs
Equivalent Financial Statement Field
Use corresponding term defined for
Unregulated Applicants above.
Schedule Section on
Call Report)
AITSA 10500
On-Balance
Sheet Loans
Closed ($)
Total ($) de
Préstamos Originados
Not Available in Audit Financial Statement.
Available in Quarterly Call Report
Use corresponding term defined for
Unregulated Applicants above.
Dollar amount of
total loans granted
quarterly and in the
fiscal year.
AITSA 17000
On-Balance
Sheet Loans
Closed (#)
Número de
Préstamos Originados
Not Available in Audit Financial Statement.
Available in Quarterly Call Report
Use corresponding term defined for
Unregulated Applicants above.
Number of total
loans granted
quarterly and in the
fiscal year.
AITSA 17000
Loan Portfolio
Audited Financial
Statements in
Spanish
Reference
AITSA
Charge-offs ($)
Préstamos Cargados
Contra la Reserva
Total Loans Charged Off
(Loans and Accounts Charged-off)
00060
Troubled Debt
Restructuring ($)
Préstamos
Restructurados
Restructured Loans
(Total TDR First RE, Other RE, Consumer,
and Commercial Loans)
10570
Recoveries ($)
Recobro de
Préstamos
Previamente
Cargados a Reserva
Net Recoveries (Total Loans Recovered)
00065
83
AMIS Inputs
Loans 60 Days
(or more) Past
Due ($)
Equivalent Financial Statement Field
Préstamos Morosos
($) con más de 60
días de atraso
Total Loans - All Types (>60 Days) past due
15000
Not Available
Loans 60 Days
(or more) Past
Due (#)
Préstamos Morosos
(#) con más de 60
días de atraso
Total Loans
Delinquent 31 to
60 Days ($)
Préstamos Morosos
($) a 31 a 60 días de
atraso
Total Loans
Delinquent 31 to
60 Days (#)
Préstamos Morosos
(#) con 31 a 60 días
de atraso
On-Balance
Sheet Loan
Guarantees
Made ($)
Total On-Balance
Sheet Loan
Guarantees
Outstanding ($)
Equity Portfolio
CDFI Fund Staff Comments:
The total number (#) of loans 60 or more
days past due. Loans should be considered
past due if any part of the payment is past
due.
Not Available
Total Number
Delinquent Loans
Schedule
AITSA 15000
CDFI Fund Staff Comments:
The total amount ($) of all loans 31 to 60 days past due. Loans
should be considered past due if any part of the payment is past
due.
Not Available
CDFI Fund Staff Comments:
The total number (#) of all loans 31 to 60 days past due. Loans
should be considered past due if any part of the payment is past
due.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Audited Financial
Statements in
Reference
Spanish
84
AMIS Inputs
Equity
Investments
Exited this Year
($)
Equity
Investments
Exited this Year
(#)
Investments
Written-Off this
Year ($)
Investments
Written-Off this
Year (#)
Total Equity
Investments
Portfolio ($)
Total Equity
Investments
Portfolio (#)
Total Equity
Investments
Closed ($)
Total Equity
Investments
Closed (#)
Equivalent Financial Statement Field
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
Not Available
Use corresponding term defined for Unregulated Applicants above.
85
AMIS Inputs
Equivalent Financial Statement Field
Membership
Audited Financial
Statements in
Spanish
Total
Membership (#)
Socios de la
Cooperativa
Total Field of
Membership (#)
Not Available
Total Members
(%)
Not Available
Reference
AITSA
(Num Current Members)
00120
Island’s Total Population per Census
(Num Potential Members)
Not Available
(% Current Members to Potential Members)
Not Available
Total Financial
Services Provided
(#)
CDFI Fund Staff Comments:
Aggregate number of Financial Services provided including number of checking, savings
accounts, check cashing, money orders, certified checks, automated teller machines,
deposit taking, safe deposit box services, and other similar services, over the 12-month
reporting period.
86
Appendix 5: Financial Data Glossary of Terms
Current Financial Product Type Lines of Business
•
Affordable Housing Finance: (a) the acquisition, pre-development financing, construction, rehabilitation, permanent and other similar financing,
first mortgage financing, and subordinated mortgages for home purchase and rehabilitation, and (b) related development services to promote the
supply of housing and/or increase homeownership opportunities. The housing must be the primary residence of a household or family that
qualifies as Low-Income and that household or family must not pay more than 30% of their income on housing.
•
Commercial Real Estate Finance: financing provided for the purpose of the acquisition or rehabilitation of a building, or the acquisition,
construction and/or development of a property for commercial purposes.
•
Community Facilities Finance: financing provided for the purpose of acquisition, construction, renovation, and/or maintenance or improvement of
facilities where health care, childcare, educational, cultural, or social services are provided.
•
Consumer Financial Products: loans, Equity Investments, loan purchases, loan guarantees, and similar financing activities provided to individuals
and families.
•
Intermediary Lending to Non-Profits and CDFIs: the provision of Financial Products to non-profit organizations, CDFIs, and/or Emerging CDFIs.
•
Microenterprise Finance: financing to a for-profit or non-profit enterprise that has five or fewer employees (including the proprietor) in an
amount no more than $50,000 for the purpose of expansion, working capital, equipment purchase or rental, or commercial real estate
development or improvement.
•
Small Business Finance: financing to a for-profit or non-profit enterprise in an amount greater than $50,000 for the purpose of expansion, working
capital, equipment purchase or rental, or commercial real estate development or improvement.
•
Other: any other line of business not meeting any of the above terms.
87
Appendix 6: Compliance Evaluation Questions
The following questions are used to calculate an Applicant’s Total Compliance Composite Score in the
SDL Program Application. To produce a Total Compliance Composite Score, the CDFI Fund’s Application
Assessment Tool (AAT) uses responses provided by each Applicant in the compliance questions, as well
as information in an Applicant’s reporting history, reporting capacity, and performance risk with respect
to the CDFI Fund’s Performance Goals (PGs). The purpose of this evaluation is to ensure Applicants do
not have major internal management or compliance concerns.
In addition to the questions listed below, information from the Applicant’s prior PGs (where applicable)
will be used as part of the calculation of a Total Compliance Composite Score.
Please note: The below table is provided as a guide for Applicants as it completes the compliance
evaluation questions. The question order will vary for each Applicant depending upon whether it is a
prior or current Award Recipient and its answers to certain evaluation questions.
Compliance Evaluation Questions
Compliance
Evaluation
Question
If Required,
Narrative
Character
Limit
Answers
Note
Note: all written justifications for Compliance Questions have a 1,500 character limit, except Questions C5.1, C5.2, C6.1, C7.1,
and/or C.16, which have a combined 5,000 character limit and are to be provided in the “Conditionally Required Responses”
text box.
• Annual externally reviewed
Does the Applicant
financial statements;
generate externally
reviewed, regulator
• Annual regulator reviewed
reviewed, or audited
financial statements;
1,500 character
C1
financial statements
• Annual audited financial
limit
annually?
statements;
• None of the above
88
Compliance
Evaluation
Question
C2
Describe any audit
findings for the
Applicant or any of its
Affiliates or parent
company from the last
three fiscal years and
how your organization
addressed them (this
includes material and
non-material findings).
Regulated Institutions
should include all (a)
Matters Requiring
Attention (MRA), (b)
Documents of
Resolution (DOR), (c)
Enforcement Actions
(EA), (d) Letters of
Understanding and
Agreement (LUA), and
(e) similar Regulator
cited matters and
actions. Applicants
that do not identify
qualified audit
opinions at the time of
application and are
later determined to
have withheld this
information from the
CDFI Fund either
intentionally or
inadvertently will be
evaluated negatively.
C3
What kind of
accounting system
does the Applicant use
to manage its
portfolio?
C4
Are externally
reviewed financial
statements or audited
financial statements
completed annually
within 180 days of the
fiscal year end?
If Required,
Narrative
Character
Limit
Answers
•
•
1,500 character
limit
•
•
•
•
•
•
1,500 character
limit
Note
Not applicable (N/A);
0 qualified opinions, adverse
opinions, audit findings, or
MRAs/DORs;
1 qualified opinion;
2 or more qualified opinions;
1 audit finding;
2 or more audit findings;
1 adverse opinion or
MRA/DOR/EA/LUA etc.(for
regulated institutions);
2 or more adverse opinions or
MRAs/DORs/EA/LUA etc. (for
regulated institutions).
•
•
•
•
•
No system;
Paper-based system;
Microsoft Excel-based system;
Enterprise accounting software;
Other
•
•
Yes
No
89
Compliance
Evaluation
Question
C5
C5.1
C5.2
C6
Has the Applicant
received any federal,
state, or local
government financial
assistance in the last
ten fiscal years?
If this Applicant has
received federal, state,
or local government
assistance in the last
ten fiscal years, does
the Applicant maintain
a record of all federal,
state, or local
government assistance
received?
If this Applicant has
received federal
government assistance
that required a Single
Audit (A-133) report in
the last ten fiscal
years, has the
Applicant submitted a
Single Audit (A-133) to
the federal agencies
from which it has
received financial
assistance in the last
ten fiscal years?
Does the Applicant
have formal and
written policies and
procedures for
complying with and
completing federal,
state, or local
government financial
assistance agreement
requirements?
If Required,
Narrative
Character
Limit
N/A
5,000 character
limit total
(combined for
questions C5.1,
C5.2, C6.1, C7.1,
and/or C16.1)
5,000 character
limit total
(combined for
questions C5.1,
C5.2, C6.1, C7.1,
and/or C16.1)
N/A
Answers
Note
•
•
Yes
No
•
•
•
Yes
No
N/A
Conditionally
Required - may not
be visible to all
Applicants
•
•
•
Yes
No
N/A
Conditionally
Required - may not
be visible to all
Applicants
•
•
Yes
No
90
Compliance
Evaluation
Question
C6.1
C7
C7.1
C8
C9
If the CDFI has not yet
established policies
and procedures to
comply with federal,
state, or local
government financial
assistance reporting
requirements, how
much time will this
CDFI need to do so?
Does the Applicant
maintain staff whose
roles and
responsibilities include
complying with and
completing federal,
state, or local
government financial
assistance
requirements?
If the Applicant does
not maintain staff, is
the CDFI prepared to
designate these
responsibilities to
specific staff members,
should it receive an
award?
Has the Applicant
defaulted on any
federal credit
instrument in the last
ten fiscal years?
Has the Applicant
failed to expend any
award funds in a
timely manner as
required by any of
federal, state, or local
government
agreements, or
contracts?
If Required,
Narrative
Character
Limit
5,000 character
limit total
(combined for
questions C5.1,
C5.2, C6.1, C7.1,
and/or C16.1)
N/A
5,000 character
limit total
(combined for
questions C5.1,
C5.2, C6.1, C7.1,
and/or C16.1)
1,500 character
limit
1,500 character
limit
Answers
•
•
•
•
N/A
6 months or less;
1 year or less; or
More than 1 year
•
•
Yes
No
•
•
•
Yes
No
N/A
•
•
Yes
No
•
•
•
Yes
No
N/A
Note
Conditionally
Required - may not
be visible to all
Applicants
Conditionally
Required - may not
be visible to all
Applicants
91
Compliance
Evaluation
Question
C10
C11
C12
C13
C14
Has the Applicant
developed formal and
written policies and
procedures to oversee
the quality of its
investments and loan
portfolio?
Has the Applicant had
a tax lien imposed in
the last ten fiscal
years, due to
delinquent taxes or
failure to pay taxes
owed by the entity?
Has the Applicant or
any of its Affiliates or
parent company filed
bankruptcy over the
last ten fiscal years? If
so, please describe the
circumstances and
current status.
If the Applicant is a
prior or current
Recipient, does it have
policies and
procedures in place to
notify its Board of
Directors or governing
body of new and
existing federal, state,
or local government
requirements?
If the Applicant is a
prior or current
Recipient, is the
Applicant required to
measure and report on
progress toward its
Performance Goals
and Measures
(PG&Ms) to the
Applicants’s Board of
Directors or governing
body at least annually?
If Required,
Narrative
Character
Limit
Answers
Note
•
•
Yes
No
•
•
Yes
No
•
•
Yes
No
1,500 character
limit
•
•
•
Yes
No
N/A
Conditionally
Required if prior or
current CDFI
Recipient
1,500 character
limit
•
•
•
Yes
No
N/A
Conditionally
Required if prior or
current CDFI
Recipient
1,500 character
limit
1,500 character
limit
1,500 character
limit
92
Compliance
Evaluation
Question
C15
C16
C16.1
If the Applicant is a
prior or current
Recipient, how
frequently is the CDFI
required by its policies
and procedures to selfevaluate and track
performance on
PG&Ms?
Does the Applicant
have financial
covenants or other
performance
requirements with
third-party funders?
If the Applicant has
financial covenants or
requirements with
third-party funders,
how frequently does
the CDFI internally
measure and report
compliance?
If Required,
Narrative
Character
Limit
1,500 character
limit
Answers
Note
•
•
•
Annually or more frequently;
Less than once per year;
Not required
Conditionally
Required if prior or
current CDFI
Recipient
•
CDFI has accepted funding that
included financial covenants or
performance requirements from
third-party funders;
CDFI has not accepted funding
that included financial covenants
or performance requirements
from third -party funders; or
CDFI does not have any third party funders
•
N/A
•
5,000 character
limit total
(combined for
questions C5.1,
C5.2, C6.1, C7.1,
and/or C16.1)
•
•
•
•
•
More frequently than annually;
Annually;
Less frequently than annually;
Not internally monitored or
reported by the CDFI (If needed,
provide explanation in the
"Conditionally Required
Responses" text box at bottom of
this page.);
N/A
Conditionally
Required - may not
be visible to all
Applicants
93
Compliance
Evaluation
Question
C17
C18
C19
C20
Indicate if the
Applicant has ever
formally defaulted on
any outstanding debt.
Applicants must
identify this
information correctly
in this Application
question. Applicants
that do not identify
defaulted debt at the
time of application and
are later determined
to have withheld this
information from the
CDFI Fund either
intentionally, or
inadvertently, will be
evaluated negatively.
If yes, identify the date
when the default
occurred, and provide
a narrative explaining
the situation and how
it was remedied.
Does the Applicant’s
information
technology
infrastructure support
an accounting system?
Does the Applicant
have a delinquent loan
management policy?
In the last fiscal year,
has the Applicant had
one or more missed or
overdue payments to
any of its funders?
If Required,
Narrative
Character
Limit
1,500 character
limit
1,500 character
limit
1,500 character
limit
1,500 character
limit
Answers
•
•
Yes
No
•
•
Yes
No
•
•
Yes
No
•
•
Yes
No
Note
94
Appendix 7: Forms and Certifications
All SDL Program Applicants must complete the Environmental Review Form and Assurances and Certifications as
part of their AMIS online Application submission. Any Applicant that is a 501(c)(4) must complete the 501(c)(4)
form as part of their AMIS online Application submission.
Environmental Review Form
TIP: This form must be completed in AMIS by all Applicants. It is available on the AMIS Application under the Forms
and Certifications Appendix. Note, by selecting “No” for the questions, the Applicant indicates that it does not have
any projects that may require environmental review.
The CDFI Fund’s environmental review requirements are set forth in 12 CFR Part 1815. The Applicant should review such
regulations carefully before completing this section. In order to assure compliance with those regulations and other
requirements related to the environment, the Applicant shall provide the following information:
Environmental Review Form
YES
NO
1. Are there any actions proposed in the Application that do not constitute a
“categorical exclusion” as defined in 12 CFR 1815.110?
If YES, would any of these actions normally require an environmental impact
statement (see 12 CFR 1815.108)?
2. Are there any activities proposed in the Application that involve:
1. Historical or archaeological sites listed on the National Register of Historic Places,
or that may be eligible for such listing?
2. Wilderness areas designated or proposed under the Wilderness Act?
3. Wild or scenic rivers proposed or listed under the Wild and Scenic Rivers Act?
4. Critical habitats of endangered or threatened species?
5. Natural landmarks listed on the National Registry of Natural Landmarks?
6. Coastal barrier resource systems?
7. Coastal Zone Management Areas?
8. Sole Source Aquifer Recharge Areas designated by EPA?
9. Wetlands?
10. Flood plains?
11. Prime and unique farmland?
12. Properties listed or under consideration for listing on the Environmental
Protection Agency’s List of Violating Facilities?
If YES to any of the above questions, attach a detailed description of each action, clearly identifying the category in which the
action falls.
95
Notification
As stated in 12 CFR 1815.105, if the CDFI Fund determines that the Application proposes actions which require
an environmental assessment or an environmental impact statement, any approval and funding of the
Application will be contingent upon:
1. The Applicant supplying to the CDFI Fund all information necessary for the CDFI Fund to
perform or have performed any required environmental review;
2. The Applicant not using any CDFI Fund Financial Assistance to perform any of the proposed
actions in the Application requiring an environmental review until approval is received from
the CDFI Fund; and
3. The outcome of the required environmental review.
In addition, as stated in 12 CFR 1815.106, if the CDFI Fund determines that an Application, or any part thereof,
is not sufficiently definite to perform a meaningful environmental review prior to approval of the Application,
final approval and funding of the Application shall require supplemental environmental review prior to the
taking of any action directly using CDFI Fund Financial Assistance for any action that is not a categorical
exclusion.
96
Assurances and Certifications
AMIS TIP: In addition to signing the SF-424, an Applicant must indicate “Yes” that it is certifying the Assurances and
Certifications in AMIS. It will do this under the area titled “Assurances and Certifications Form” on the Application
main page in AMIS.
By signing the certification on the SF-424, the Applicant is certifying the Assurances and Certifications
listed below. Certain Assurances and Certifications may not be applicable to the Applicant/Lead. An
Applicant may not modify any of the Assurances and Certifications.
A. Standard Form 424B: Assurances – Non-Construction Programs
As the duly authorized representative of the Applicant, I certify that the Applicant:
1.
2.
3.
4.
5.
6.
7.
Has the legal authority to apply for Federal assistance, and the institutional, managerial and financial
capability (including funds sufficient to pay the non-Federal share of project costs) to ensure proper
planning, management, and completion of the project described in this Application.
Will give the awarding agency, the Comptroller General of the United States, and if appropriate, the State,
through any authorized representative, access to and the right to examine all records, books, papers, or
documents related to the award; and will establish a proper accounting system in accordance with
generally accepted accounting standards or agency directives.
Will establish safeguards to prohibit employees from using their positions for a purpose that constitutes or
presents the appearance of personal or organizational conflict of interest, or personal gain.
Will initiate and complete the work (activities in Application) within the applicable time frame after receipt
of approval of the awarding agency.
Will comply with the Intergovernmental Personnel Act of 1970 (42 U.S.C. 4728-4763) relating to prescribed
standards for merit systems for programs funded under one of the nineteen statutes or regulations
specified in Appendix A of Ohm’s Standards for a Merit System of Personnel Administration (5 C.F.R. 900,
Subpart F).
Will comply with all Federal statutes relating to nondiscrimination. These include but are not limited to: (a)
Title VI of the Civil Rights Act of 1964 (P.L. 88-352) which prohibits discrimination on the basis of race, color
or national origin; (b) Title IX of the Education Amendments of 1972, as amended (20 U.S.C.1681-1683,
1685-1686), which prohibits discrimination on the basis of sex; (c) Section 504 of the Rehabilitation Act of
1973, as amended (29 U.S.C. 794), which prohibits discrimination on the basis of handicaps; (d) the Age
Discrimination Act of 1975, as amended (42 U.S.C. 6101-6107), which prohibits discrimination on the basis
of age; (e) the Drug Abuse Office and Treatment Act of 1972 (P.L. 92-255), as amended, relating to
nondiscrimination on the basis of drug abuse; (f) the Comprehensive Alcohol Abuse and Alcoholism
Prevention, Treatment and Rehabilitation Act of 1970 (P.L. 91-616), as amended, relating to
nondiscrimination on the basis of alcohol abuse or alcoholism; (g) Sections 523 and 527 of the Public
Health Service Act of 1912 (42 U.S.C. 290 dd-3 and 290 ee-3), as amended, relating to confidentiality of
alcohol and drug abuse patient records; (h) Title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.),
as amended, relating to nondiscrimination in the sale, rental or financing of housing; (i) any other
nondiscrimination provisions in the specific statute(s) under which Application for Federal assistance is
being made; and (j) the requirements of any other nondiscrimination statutes which may apply to the
Application.
Will comply, or has already complied, with the requirements of Titles II and III of the Uniform Relocation
Assistance and Real Property Acquisition Policies Act of 1970 (P.L. 91-646) which provide for fair and
equitable treatment of persons displaced or whose property is acquired as a result of Federal or federally
assisted programs. These requirements apply to all interests in real property acquired for project purposes
regardless of Federal participation in purchases.
97
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
Will comply with the provisions of the Hatch Act (5 U.S.C. 1501-1508 and 7324-7328), which limit the
political activities of employees whose principal employment activities are funded in whole or in part with
Federal funds.
Will comply, as applicable, with the provisions of the Davis-Bacon Act (40 U.S.C. 276a to 276a-7), the
Copeland Act (40 U.S.C. 276c and 18 U.S.C. 874), and the Contract Work Hours and Safety Standards Act
(40 U.S.C. 327-333), regarding labor standards for federally assisted construction sub agreements.
Will comply, if applicable, with flood insurance purchase requirements of Section 102(a) of the Flood
Disaster Protection Act of 1973 (P.L. 93-234) which requires recipients in a special flood hazard area to
participate in the program and to purchase flood insurance if the total cost of insurable construction and
acquisition is $10,000 or more.
Will comply with environmental standards which may be prescribed pursuant to the following: (a)
institution of environmental quality control measures under the National Environmental Policy Act of 1969
(P.L. 91-190) and Executive Order 11514; (b) notification of violating facilities pursuant to Executive Order
11738; (c) protection of wetlands pursuant to Executive Order 11990; (d) evaluation of flood hazards in
floodplains in accordance with Executive Order 11988; (e) assurance of project consistency with the
approved State management program developed under the Coastal Zone Management Act of 1972 (16
U.S.C. 1451et seq.); (f) conformity of Federal actions to State Implementation Plans under Section 176(c) of
the Clean Air Act of 1955, as amended (42 U.S.C. 7401 et seq.); (g) protection of underground sources of
drinking water under the Safe Drinking Water Act of 1974, as amended, (P.L. 93-523); and (h) protection of
endangered species under the Endangered Species Act of 1973, as amended, (P.L. 93-205).
Will comply with the Wild and Scenic Rivers Act of 1968 (16 U.S.C. 1271 et seq.) related to protecting
components or potential components of the national wild and scenic rivers system.
Will assist the awarding agency in assuring compliance with Section 106 of the National Historic
Preservation Act of 1966, as amended (16 U.S.C. 470), Executive Order 11593 (identification and protection
of historic properties), and the Archaeological and Historic Preservation Act of 1974 (16 U.S.C. 469a-1 et
seq.).
Will comply with P.L. 93-348 regarding the protection of human subjects involved in research,
development, and related activities supported by this award of assistance.
Will comply with the Laboratory Animal Welfare Act of 1966 (P.L. 89-544, as amended, 7 U.S.C. 2131 et
seq.) pertaining to the care, handling, and treatment of warm-blooded animals held for research, teaching,
or other activities supported by this award of assistance.
Will comply with the Lead-Based Paint Poisoning Prevention Act (42 U.S.C. 4801 et seq.) which prohibits
the use of lead-based paint in construction or rehabilitation of residence structures.
Will cause to be performed the required financial and compliance audits in accordance with the Single
Audit Act of 1984.
Will comply with all applicable requirements of all other Federal laws, executive orders, regulations and
policies governing this program.
Will comply with the requirements of Section 106(g) of the Trafficking Victims Protection Act (TVPA) of
2000, as amended (22 U.S.C. 7104) which prohibits grant award recipients or a sub-recipient from (1)
Engaging in severe forms of trafficking in persons during the period of time that the award is in effect (2)
Procuring a commercial sex act during the period of time that the award is in effect or (3) Using forced
labor in the performance of the award or sub-awards under the award.
A. ADDITIONAL CERTIFICATIONS
In addition to the assurances and certifications provided by the Applicant pursuant to OMB Standard
Form 424, the Applicant hereby assures and certifies that:
1.
It is duly organized and validly existing under the laws of the jurisdiction in which it was incorporated or
otherwise established, and is (or within 30 days will be) authorized to do business in any jurisdiction in
which it proposes to undertake activities specified in this Application;
98
2.
3.
4.
5.
6.
7.
Its Board of Directors (or similar governing body) has by proper resolution or similar action authorized the
filing of this Application, including all understandings and assurances contained herein, and directed and
authorized the person identified as the authorized representative of the Applicant to act in connection
with this Application and to provide such additional information as may be required;
It will comply with all applicable requirements of the Community Development Banking and Financial
Institutions Act of 1994 (the Act) [12 U.S.C. 4701 et seq.], regulations implementing the Act and all other
applicable Department of the Treasury regulations and implementing procedures (and any regulations or
procedures which are later promulgated to supplement or replace them);
It will comply, as applicable and appropriate, with the requirements of 2 C.F.R. 200 and any regulations and
circulars which are later promulgated to supplement or replace them, including standards for fund control
and accountability;
It has not knowingly and willfully made or used a document or writing containing any false, fictitious or
fraudulent statement or entry as part of this Application or any related document, correspondence or
communication. (The Applicant and its authorized representative should be aware that, under 18 U.S.C.
1001, whoever knowingly and willfully makes or uses such document or writing shall be fined or
imprisoned for not more than five years, or both); and
It has not had proceedings instituted against it in, by, or before any court, governmental agency, or
administrative body, and a final determination made within the last 3 years as of the date of the NOFA
indicating that the Applicant has violated any of the following laws: Title VI of the Civil Rights Act of 1964,
as amended (42 U.S.C.2000d); Section 504 of the Rehabilitation Act of 1973 (29 U.S.C. 794); the Age
Discrimination Act of 1975 (42 U.S.C. 6101-6107); Title VIII of the Civil Rights Act of 1968, as amended (42
U.S.C. 3601 et seq.); and Executive Order 13166, Improving Access to Services for Persons with Limited
English Proficiency.
The information in this Application, and in these assurances and certifications in support of the Application,
is true and correct to the best of the Applicant’s knowledge and belief and the filing of this Application has
been duly authorized.
B. CERTIFICATION REGARDING DEBARMENT, SUSPENSION, AND OTHER RESPONSIBILITY MATTERS –
PRIMARY COVERED TRANSACTIONS: INSTRUCTIONS FOR CERTIFICATION
1.
2.
3.
4.
5.
6.
By signing and submitting this Application, the prospective primary participant (the Applicant) is providing
the certification set out below.
The inability of a person to provide the certification required below will not necessarily result in the denial
of participation in this covered transaction. The prospective Applicant shall submit an explanation of why it
cannot provide the certification set out below. The certification or explanation will be considered in
connection with the CDFI Fund’s determination whether to enter into this transaction (approval and
funding of the Application). However, failure of the Applicant to furnish a certification or an explanation
shall disqualify such person from participation in this transaction.
This certification is a material representation of fact upon which reliance is placed when the CDFI Fund
determines to enter into this transaction. If it is later determined that the Applicant knowingly rendered an
erroneous certification, in addition to other remedies available to the Federal Government, the CDFI Fund
may terminate this transaction for cause or default.
The Applicant shall provide immediate written notice to the CDFI Fund if at any time the Applicant learns
that its certification was erroneous when submitted or has become erroneous by reason of changed
circumstances.
The terms “covered transactions,” “debarred,” “suspended,” “ineligible,” “lower tier covered transaction,”
“participant,” “person,” “primary covered transaction,” “principal,” “proposal”, and “voluntarily excluded,”
as used in this clause (certification), have the meanings set out in the Definitions and Coverage sections of
the rules implementing Executive Order 12549 and 31 C.F.R. part 19.
The Applicant agrees by submitting this Application that, should the proposed covered transaction be
entered into, it shall not knowingly enter into any lower tier covered transaction with a person who is
99
debarred, suspended, declared ineligible, or voluntarily excluded from participation in this covered
transaction, unless authorized by the CDFI Fund.
7. The Applicant further agrees by submitting this Application that it will include the clause titled
“Certification Regarding Debarment, Suspension, Ineligibility and Voluntary Exclusion-Lower Tier Covered
Transaction,” to be provided by the CDFI Fund, without modification, in all lower tier covered transactions
and in all solicitations for lower tier covered transactions (see 31 C.F.R. part 19, Appendix B).
8. A participant in a covered transaction may rely upon a certification of a prospective participant in a lower
tier covered transaction that it is not debarred, suspended, ineligible, or voluntarily excluded from the
covered transaction, unless it knows that the certification is erroneous. A participant may decide the
method and frequency by which it determines the eligibility of its principals. Each participant may, but is
not required to, check the No Procurement List.
9. Nothing contained in the foregoing shall be construed to require establishment of a system of records in
order to render in good faith the certification required by this clause. The knowledge and information of a
participant is not required to exceed that which is normally possessed by a prudent person in the ordinary
course of business dealings.
10. Except for transactions authorized under paragraph 6 of these instructions, if a participant in a covered
transaction knowingly enters into a lower tier covered transaction with a person who is suspended,
debarred, ineligible, or voluntarily excluded from participation in this transaction, in addition to other
remedies available to the Federal Government, the CDFI Fund may terminate this transaction for cause or
default.
C. CERTIFICATION REGARDING DEBARMENT, SUSPENSION, AND OTHER RESPONSIBILITY MATTERS –
PRIMARY COVERED TRANSACTIONS
1.
2.
The prospective primary participant (the Applicant) certifies to the best of its knowledge and belief, that it
and its principals:
a) are not presently debarred, suspended, proposed for debarment, declared ineligible, or voluntarily
excluded from covered transactions by any Federal department or agency;
b) have not within a three-year period preceding this Application been convicted of or had a civil judgment
rendered against them for commission of fraud or a criminal offense in connection with obtaining,
attempting to obtain, or performing a public (Federal, State or local) transaction or contract under a
public transaction; violation of Federal or State antitrust statutes or commission of embezzlement,
theft, forgery, bribery, falsification or destruction of records, making false statements, or receiving
stolen property;
c) are not presently indicted for or otherwise criminally or civilly charged by a governmental entity
(Federal, State or local) with commission of any of the offenses enumerated in paragraph (1)(b) of this
certification; and
d) Have not within a three-year period preceding this Application had one or more public transactions
(Federal, State or local) terminated for cause or default.
Where the Applicant is unable to certify to any of the statements in this certification, such Applicant shall
attach an explanation to this proposal.
D. CERTIFICATION REGARDING DRUG-FREE WORKPLACE REQUIREMENTS
1.
The Applicant certifies that it will provide a drug-free workplace by:
a) publishing a statement notifying employees that the unlawful manufacture, distribution, dispensing,
possession, or use of a controlled substance is prohibited in the Applicant’s workplace and specifying
the actions that will be taken against employee for violations of such prohibition;
b) establishing a drug-free awareness program to inform employees about:
(i) the dangers of drug abuse in the workplace;
(ii) the Applicant’s policy of maintaining a drug-free workplace;
(iii) any available drug counseling, rehabilitation, and employee assistance program;
100
2.
(iv) the penalties that may be imposed upon employees for drug abuse violations occurring in the
workplace;
c) making it a requirement that each employee to be engaged in the performance of the award be given a
copy of the statement required by subparagraph (a);
d) notifying the employee in the statement required by subparagraph (a) that, as a condition of
employment in such grant, the employee will:
(i) abide by the terms of the statement; and
(ii) notify the employer of any criminal drug use statute conviction for a violation occurring in the
workplace no later than five calendar days after such conviction;
e) notifying the granting agency in writing, within ten calendar days after receiving notice of a conviction
under subparagraph (d) (ii) from an employee or otherwise receiving actual notice of such conviction;
f) taking one of the following actions, within 30 days of receiving notice under subparagraph (d)(ii), with
respect to any employee who is so convicted:
(i) taking appropriate personnel action against such an employee, up to and including termination,
consistent with the requirements of the Rehabilitation Act of 1973, as amended; or
(ii) requiring such employee to participate satisfactorily in a drug abuse assistance or rehabilitation
program approved for such purposes by a Federal, State, or local health, law enforcement, or other
appropriate agency; and
g) making a good faith effort to continue to maintain a drug-free workplace through implementation of
subparagraphs (a), (b), (c), (d), (e), and (f).
The Applicant may insert in the space provided below the site(s) for the performance of work (activities
carried out by the Applicant) to be done in connection with the award (Place of Performance (Street
Address, City, County, State and zip Code)): Not Applicable.
E. CERTIFICATION REGARDING LOBBYING
1.
2.
The Applicant certifies, to the best of its knowledge and belief, that:
(i) No Federal appropriated funds have been paid or will be paid, by or on behalf of the Applicant, to
any person for influencing or attempting to influence an officer or employee of any agency, a
Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress
in connection with the awarding of any Federal contract, the making of any Federal grant, the
making of any Federal loan, the entering into of any cooperative agreement, and the extension,
continuation, renewal, amendment, or modification of any Federal contract, grant, loan, or
cooperative agreement;
(ii) If any funds other than Federal appropriated funds have been paid or will be paid to any person for
influencing or attempting to influence an officer or employee of any agency, a Member of
Congress, an officer or employee of Congress, or an employee of a Member of Congress in
connection with this Application, the undersigned shall complete and submit Standard Form LLL,
“Disclosure Form to Report Lobbying“ in accordance with its instructions; and
(iii) The Applicant shall require that the language of this certification be included in the award
documents for all sub-awards of all tiers (including subcontracts, sub grants, and contracts under
grants, loans, and cooperative agreements) and that all sub recipients shall certify and disclose
accordingly.
This certification is a material representation of fact upon which reliance is placed when this transaction is
made or entered into. Submission of this certification is a prerequisite for making or entering into this
transaction imposed by section 1352, title 31, U.S. Code. Any person who fails to file the required
certification shall be subject to a civil penalty of not less than $10,000 and not more than $100,000 for
each such failure.
101
501(C)(4) Questionnaire
AMIS TIP: An Applicant must only complete this form in AMIS if it is recognized as a 501(c)(4) entity. No other
Applicants should complete this form.
This questionnaire is necessary for the CDFI Fund to determine whether an Applicant with a 501(c)(4)
designation from the IRS is eligible to receive an award from the CDFI Fund (see 2 U.S.C. 1601, et al.).
Please read all definitions before responding to the questions and continue to refer to such definitions in
responding to this questionnaire. If the answer to any question is yes, please describe in detail on a
separate sheet(s) of paper the facts and circumstances, including: subject matter; date(s); names and
titles of all individuals and their employers and their organizations. The CDFI Fund reserves the right to
seek follow-up responses from an Applicant. Failure to complete this questionnaire and, if applicable,
respond timely to follow-up questions, will delay the CDFI Fund’s processing of the Application, and may
result in the disqualification of the Application from further consideration. After submitting responses to
this questionnaire, the Applicant is under a continuing obligation to: (1) supplement its responses upon a
change in circumstances; and (2) revise or modify its responses within 10 business days of having actual
or constructive knowledge that the responses previously submitted and certified are no longer
complete, accurate, or true. You may submit an AMIS request if you have any questions about this form.
Scope: The scope of this questionnaire is limited to activities on or after January 1, 1996.
QUESTIONS
1. Has any officer, employee, director, partner, proprietor, or board member contacted a Covered Executive
Branch Official with regard to the formulation, modification, or adoption of Federal legislation (including
legislative proposals)?
2. Has any officer, employee, director, partner, proprietor, or board member contacted a Covered Executive
Branch Official with regard to the formulation, modification, or adoption of a Federal rule, regulation,
Executive Order, or any other program, policy, or position of the United States Government?
3. Has any officer, employee, director, partner, proprietor, or Board member contacted a Covered Executive
Branch Official with regard to the administration or execution of a Federal program or policy (including the
negotiation, award, or administration or a Federal contract, grant, loan, permit, or license)?
4. Has any officer, employee, director, partner, proprietor, or Board member contacted a Covered Executive
Branch Official with regard to the nomination or confirmation of a person for a position subject to
confirmation by the United States Senate?
5. Has any officer, employee, director, partner, proprietor, or Board member engaged in efforts supporting and
coordinating the contact by others of a Covered Executive Branch Official including preparation and planning
activities, research and other background work that was intended, at the time performed, for a purpose
described in Questions 1-4?
6. Has any officer, employee, director, partner, proprietor, or Board member contacted a Covered Legislative
Branch Officialiii with regard to the formulation, modification, or adoption of Federal legislation (including
legislative proposals)?
7. Has any officer, employee, director, partner, proprietor, or Board member contacted a Covered Legislative
Branch Official with regard to the formulation, modification, or adoption of a Federal rule, regulation,
Executive Order, or any other program, policy, or position of the United States Government?
8. Has any officer employee, director, partner, proprietor, or Board member contacted a Covered Legislative
Branch Official with regard to the administration or execution of a Federal program or policy (including the
negotiation, award, or administration of a Federal contract, grant, loan, permit, or license)?
9. Has any officer, employee, director, partner, proprietor, or Board member contacted a Covered Legislative
Branch Official with regard to the nomination or confirmation of a person for a position subject to
confirmation by the United States Senate?
❑ Yes
❑ No
❑ Yes
❑ No
❑ Yes
❑ No
❑ Yes
❑ No
❑ Yes
❑ No
❑ Yes
❑ No
❑ Yes
❑ No
❑ Yes
❑ No
❑ Yes
❑ No
102
10. Has any officer, employee, director, partner, proprietor, or Board member engaged in efforts supporting and ❑ Yes
coordinating the contact by others of a Covered Legislative Branch Official including preparation and planning ❑ No
activities, research and other background work that was intended, at the time performed, for a purpose
described in Questions 6-9?
Signature
Signing the certification on SF-424 certifies that the answers to the 501(c)(4) Questionnaire and the
written explanations attached thereto are true, accurate, and complete to the best of its information,
knowledge, and belief and that, since January 1, 1996, the Applicant has not engaged in Lobbying
Activities as defined in Section 3 (7) of the Lobbying Disclosure Act of 1995, P.L. 104-65, as amended.
i
“Contacted” (or “contacted”) means any oral or written communication, including an electronic communication.
ii “Covered
Executive Branch Official” means: (a) the President; (b) the Vice President; (c) any officer or employee, or any other
individual functioning in the capacity of such an officer or employee, in the Executive Office of the President; (d) any officer or
employee serving in an Executive Level I-V position, a “Schedule C” position, or any official in a Senior Executive Service
position; (e) any member of the uniformed services serving at grade O-7 or above; or (f) any officer or employee serving in a
position of a confidential, policy-determining, policy-making, or policy-advocating character described in section 7511(b)(2) of
title 5, United States Code.
iii “Covered
Legislative Branch Official” means: (a) a member of Congress; (b) an elected officer of either House of Congress; (c)
any employee of the House or Senate, including employees of Members, committees, leadership and working groups or
caucuses organized to provide legislative services or other assistance to Members of Congress; and (d) any other legislative
branch employee serving in a position described under section 109(13) of the Ethics in Government Act of 1978 (5 U.S.C. App.).
103
Appendix 8: Partnership Forms and Certifications
All FIDI partner must complete the Qualified Federally Insured Depository Institution Partnership
Attestation Form attesting that they have a primary mission to serve targeted Investment Areas as part
of their AMIS online Application submission.
All Partner Applicants must complete the Partnership Agreement detailing the terms of their partnership
for establishing and maintaining a small dollar loan program that the SDL Program Award will support as
part of their AMIS online Application submission.
Qualified Federally Insured Depository Institution Partnership Attestation Form
All FIDI Partner applicants must complete the Qualified Federally Insured Depository Institution
Partnership Attestation Form attesting that they have a primary mission to serve targeted Investment
Areas as part of their AMIS online Application submission. This attestation form is available in AMIS.
The legislation authorizing the Small Dollar Loan (SDL) Program states that an applicant type for an LLR
Award may be any partnership between a designated lead Certified CDFI and a Federally Insured
Depository Institution with a primary mission to serve targeted Investment Areas (FIDI partner). FIDI
partners are required to complete the Qualified Federally Insured Depository Institution Partnership
Attestation Form to attest that it has a primary mission to serve targeted Investments Areas, as defined
in the Riegle Community Development and Regulatory Improvement Act of 1994 and applicable NOFA.
Certified CDFI partners are not required to complete this form.
Instructions:
1. Read Attestation Statement
2. The FIDI partner must sign and date this form.
3. The designated lead Certified CDFI Applicant must submit this form in AMIS as supporting
documentation, along with any other supporting documentation for consideration for a SDL Program
LLR Award.
104
Attestation Statement
As the Authorized Representative for [insert name of FIDI], I, [insert name], attest to the following:
The FIDI partner, [insert name of FIDI], is a Federally Insured Depository Institution, as defined under 12
U.S.C. 1813, that has a primary mission to serve targeted Investment Areas, as defined under 12 U.S.C.
4702(16).
Name of Certified CDFI (Designated Lead Applicant)
Name of FIDI Partner
FIDI Partner Authorized Representative
Printed Name
Job Title
Signature
I hereby affirm that the above information is true and accurate.
Signed: ________________________
Date: _________________________
FOR INFORMATIONAL PURPOSES:
The CDFI Fund shares information about Award Recipients with the general public via its public website. In an
effort to increase awareness about SDL Program Award Recipients and FIDI partnerships information from this
form may be made public should the SDL Program Applicant receive an SDL Program Award.
105
Partnership Agreement
Applicants applying as a partnership between a Certified CDFI and Federally Insured Depository
Institution, with a primary mission to serve targeted Investment Areas for a SDL Program Award for LLR
or as a partnership between two or more Certified CDFIs for a SDL Program Award for TA, are required
to submit, along with their Application, the Partnership Agreement between the partners. The
Partnership Agreement must identify the Certified CDFI of their partnership that will establish and
maintain a small dollar loan program and submit the SDL Program Application. The Partnership
Agreement must also include the terms of the partnership, including the plan for establishing and
maintaining a small dollar loan program that the SDL Program Award will support, roles and
responsibilities of the partners, partner replacement or substitution restrictions, any financial
contributions and profit-sharing arrangements, and performance requirements of the entities in the
partnership.
Potential areas of partnership that enable the Applicant to establish and maintain a small dollar loan
program include, but are not limited to: a) partnerships that allow the Applicant to streamline and
automate to reduce or eliminate underwriting and servicing costs and increase speed; b) partnerships
that allow the Applicant to reach new markets, significantly increase its small dollar lending production,
or undertake new activities; c) partnerships that facilitate the Applicant in addressing priorities of the
CDFI Fund’s SDL Program as identified in the NOFA for each funding round.
106
Appendix 9: Sample Management Letter
DISCLAIMER: The sample Management Letter below is being provided by the Community Development
Financial Institutions Fund (CDFI Fund) as a courtesy to Applicants to demonstrate the types of
information and statements that may be found in Management Letters meeting the requirements of the
SDL Program Application. The Management Letter submitted by an Applicant may include different
information than that presented in this sample letter and should reflect the actual findings of the
Applicant organization’s audit. Please note that the text below is for demonstration purposes only and
should not be relied upon by Applicant organizations or auditors for purposes of meeting any applicable
federal, state, or local legal requirements or accounting standards.
107
[Auditor Letterhead]
[DATE]
To Management and the Audit Committee
[APPLICANT ENTITY AND SUBSIDIARIES]
[CITY, STATE]
We have audited the consolidated financial statements of APPLICANT ENTITY and Subsidiaries (the
Organization) as of and for the year ended [DATE] and have issued our report thereon dated [DATE].
Professional standards require that we advise you of the following matters relating to our audit.
In planning and performing our audit of the consolidated financial statements of the Organization as of
and for the year ended [DATE], in accordance with auditing standards generally accepted in the United
States of America, we considered the Organization’s internal control over financial reporting (internal
control) as a basis for designing audit procedures that are appropriate in the circumstances for the
purpose of expressing our opinion on the consolidated financial statements, but not for the purpose of
expressing an opinion on the effectiveness of the Organization’s internal control. Accordingly, we do not
express an opinion on the effectiveness of the Organization’s internal control.
A deficiency in internal control exists when the design or operation of a control does not allow
management or employees, in the normal course of performing their assigned functions, to prevent, or
detect and correct, misstatements on a timely basis. A deficiency in design exists when (a) a control
necessary to meet the control objective is missing, or (b) an existing control is not properly designed so
that, even if the control operates as designed, the control objective would not be met. A deficiency in
operation exists when a properly designed control does not operate as designed or when the person
performing the control does not possess the necessary authority or competence to perform the control
effectively.
A material weakness is a deficiency, or a combination of deficiencies, in internal control, such that there
is a reasonable possibility that a material misstatement of the Organization’s consolidated financial
statements will not be prevented, or detected and corrected, on a timely basis.
A significant deficiency is a deficiency, or a combination of deficiencies, in internal control that is less
severe than a material weakness, yet important enough to merit attention by those charged with
governance.
Certain deficiencies in internal control that have been previously communicated to you, in writing, by us
or by others within your organization are not repeated herein.
Following are descriptions of other identified deficiencies in internal control that we determined did not
constitute significant deficiencies or material weaknesses:
[Below are samples of findings, actual statements will vary with the facts of each audit]
Exemplar and Subsidiaries
108
[Date]
Page 2
Uncorrected and Corrected Misstatements
During the course of our audit, we proposed a financial statement presentation reclassification related
to the restricted cash of [DOLLAR AMOUNT] that was contributed back to the ABC Subsidiary, as part of
the overall unwind of the XYZ Subsidiary.
The related contribution expense related to this cash donation was reclassified to be included with
overall net contribution of fixed assets and forgiveness of debt to present a net gain relating to the
projects unwind. We believe the net presentation of all three elements (cash, fixed assets, and debt) to
be a preferable way of presenting the essence of the transaction. Management reclassified this entry
correctly during the course of our audit.
Impaired Loan Analysis
During our testing of a collateral-dependent impaired loan, we noted that management’s analysis did
not adequately support its conclusion on estimated fair value. Management should ensure the estimate
of fair value of impaired loans and foreclosed assets is thoroughly documented and supported with the
use of either external valuation (i.e., appraisal or broker opinion of value) or internal valuation of fair
value.
Difficulties Encountered in Performing the Audit
We encountered no significant difficulties in dealing with management in performing and completing
our audit.
Disagreements with Management
For purposes of this letter, professional standards define a disagreement with management as a
financial accounting, reporting, or auditing matter, whether or not resolved to our satisfaction, that
could be significant to the financial statements or the auditor’s report. We are pleased to report that no
such disagreements arose during the course of our audit.
Other Findings or Issues
We generally discuss a variety of matters, including the application of accounting principles and auditing
standards, with management each year prior to retention as the Organization’s auditors. However,
these discussions occurred in the normal course of our professional relationship and our responses were
not a condition to our retention.
This communication is intended solely for the information and use of management, the Audit
Committee, and others within the Organization, and is not intended to be, and should not be, used by
anyone other than these specified parties.
Very truly yours,
[AUDITOR]
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