Interested in hearing insight into optional reporting. My current shop has teetered on the threshold of reporting the last few years. We did report for 2023, but fell below the 25 loans needed for 2024 (although we did aggregate the data and have it available).

We've just completed an exam and would like to include the data in our next exam (~36 months). Thoughts on voluntarily reporting or punting this year, knowing that it won't benefit CRA analysis at the moment.

I don't know your shop's history beyond you stating you reported in 2023 so it's hard to say much without knowing that, but my 2 cents would be to say i wouldn't want to report a year or two...stop...start back, etc. So if i thought 2024 was an aberration, i'd probably report. If i thought we were likely to stay under 25 reportable loans for a whie, i probably wouldn't. Again, just my two cents.