http://www.dallasfed.org/ca/pubs/craloan.pdfThis is a great training document for lenders. It doesn't cover everything, but it's short and sweet enough to get your point across.
CD loans should provide a benefit to either low or moderate income geographies or people. They can also benefit the development of small businesses in the community you serve. (That is to say, not all small business loans are CD, but loans to entities that encourgage small business development, say an EDC, would probably qualify). They should be able to show how they provide: Services to Low-to Mod Persons or Communities/Community Stability-Revitalization or Low or Mod Geographies/Housing Services to Low or Mod People/or Medical Services to Native Children.
Clearly there are other options for CD loans. Say a loan to a commmunity that is middle income, but is experiencing a significant economic downturn. A loan to reduce the impacts of that downturn could be CD if written up properly. (Before anyone chimes in, I've done it and it worked!)
Couple of quick, more typical examples:
A loan to a housing developer to build an apartment building using LIHTC's in your AA.
A loan for a senior center serving low or moderate income individuals.
A loan to build a large office complex in a designated revitalization zone.
A loan to the local EDC to promote a new business development training program in your AA.
A loan to build housing on native lands using NAHASDA funds.
A loan to a hospital that serves native children as their primary client base.
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