I am confused. 346.2 Definition of covered agreement states any individual loan that is secured by real estate is not covered. However, 346.4 Fulfillment of the CRA states home-purchase, home-improvement, small business, small farm, community development and consumer lending are included under the activities given favorable consideration. It is my understanding that this act requires banks to make public certain agreements with respect to the bank's attempt to meet its obligations under the CRA. And that this applies to written agreements that are made in fulfillment of the CRA.

What am I missing?

Thanks, Lisa