From the CRA FAQ:
§ll.42(c)(1)—1: What are the data
requirements regarding consumer loans?
A1. There are no data reporting
requirements for consumer loans.
Institutions may, however, opt to collect
and maintain data on consumer loans. If
an institution chooses to collect
information on consumer loans, it may
collect data for one or more of the
following categories of consumer loans:
motor vehicle, credit card, home equity,
other secured, and other unsecured. If
an institution collects data for loans in
a certain category, it must collect data
for all loans originated or purchased
within that category. The institution
must maintain these data separately for
each category for which it chooses to
collect data. The data collected and
maintained should include for each
loan:
• A unique number or alpha-numeric
symbol that can be used to identify the
relevant loan file;
• The loan amount at origination or
purchase;
• The loan location; and
• The gross annual income of the
borrower that the institution considered
in making its credit decision.
Generally, guidance given with
respect to data collection of small
business and small farm loans,
including, for example, guidance
regarding collecting loan location data,
and whether to collect data in
connection with refinanced or renewed
loans, will also apply to consumer
loans.