Map FAQ

General

FAQ #1. How long will these maps be available?
These maps will remain available until November 19, 2021, which is one year after the publication of the Final Report.

FAQ #2. Are the terms used in these maps and this FAQ defined somewhere?
You can see definitions for commonly used terms by clicking on the Map Glossary link. The Final Report also offers a more comprehensive glossary.

FAQ #3. What are these maps?
These maps provide information regarding the credit Citi earned under the Settlement Agreement for providing certain kinds of relief to consumers and communities.

  • The “Consumer Relief” map provides general information about the amounts of credit Citi received for providing various forms of relief in different geographic areas.
  • The “Fair Housing” maps provide detailed information about Citi's compliance with the fair lending obligations of the federal Fair Housing Act (FHA) and the federal Equal Credit Opportunity Act (ECOA) by providing information about relief to individual borrowers credited under the Settlement Agreement in the context of Citi's general lending portfolio.
  • The “Affordable Rental Housing” map provides detailed information about the developments funded under Menu Item 5 of Annex 2 to the Settlement Agreement.

FAQ #4. When could Citi provide relief in order to receive credit under the Settlement Agreement?
The Settlement Agreement allowed Citi to receive credit for relief provided from April 30, 2014 through December 31, 2018.

FAQ #5. What was the last day for Citi to receive a 15% Early Incentive Bonus credit for providing early relief?
Such relief had to be offered or completed by October 1, 2015.

FAQ #6. Is Puerto Rico included on these maps?
Puerto Rico is included on the maps where Citi provided relevant creditable relief: the Consumer Relief map and the Fair Housing maps. To select Puerto Rico, scroll down to the bottom of the entries in the “State” dropdowns for those maps.

FAQ #7. Can I access the underlying data for these maps?
Yes. Use the “Download” option, which will provide the data in .csv format for whatever views and filters you have selected.

Consumer Relief Map

FAQ #8. How does the Consumer Relief map work?
The Consumer Relief map is a dynamic map that offers you significant flexibility in choosing the information you wish to learn about relief and credit under the Settlement Agreement. You can choose to view relief and credit information:

  • Either state-by-state (State-Level View) or county-by-county (County-Level View).
  • Based on when the relevant loan was originated (Year of Loan Origination).
  • Based on when Citi provided the relief associated with the loan (Date Relief Completed). Note that Citi received bonus credit (Early Incentive Credit) for relief offered or completed by October 1, 2015.
  • Based on various relevant units and measurements (Unit or Metric) such as the amount of credit, the number of loans, or the amount of interest rate reduction.
  • Based on which state(s) the relief went to, including the District of Columbia and Puerto Rico (State).
  • Based on which Menu Item the relief was credited under.
  • Based on the Category of Relief.
  • Based on which Citi Business Unit provided the relief.

You can select more than one view or filter at the same time. For example, you could choose to see a county-by-county representation of settlement credit received for all Menu Item 2A costs paid relief provided in the Settling States plus Texas by CFS from January 2014-September 2015 for loans originated from 2006-2008.

What you choose for Menu Item will restrict your choices under Category of Relief and Citi Business Unit. For example, if you pick “2A Rate Reduction” under Menu Item, you will only be able to choose from the categories of relief provided under Menu Item 2A and from the Citi business units that provided such relief.

  • If you want to see all relief provided under a certain category or by a certain business unit regardless of Menu Item, be sure that Menu Item is set to “Select All.”

FAQ #9. What is the difference between the filter called “Menu Item” and the filter called “Category of Relief”?
Citi earned credit for consumer relief provided under the various “menu items” set forth in Annex 2 of the Settlement Agreement. Some menu items include more than one kind of relief, and some kinds of relief appear under multiple menu items. As an example of a menu item that included more than one form of relief, although Menu Item 2A focused on rate reduction relief, it also included costs paid and principal/balance forgiveness, which are forms of relief that can facilitate rate reductions but are not themselves rate reductions. As an example of a form of relief provided under more than one menu item, costs paid relief received credit not only under Menu Item 2A but also under Menu Item 1G. (The “Menu Items Definitions” defines those forms of relief.)

You can use the Menu Item filter to learn more about all relief credited under a given menu item, even if that menu item credited more than one category of relief. Alternatively, you can use the Category of Relief filter to learn more about that category of relief, even if it was credited under more than one menu item. You can also select multiple menu items and/or multiple categories of relief. Note that, as explained in FAQ #8, if you use the Menu Item filter to limit which menu items are displayed, that will restrict which categories of relief you can select.

FAQ #10. On the Consumer Relief map, why do the amounts of credit shown in the State-Level View sometimes differ from the amounts shown in the County-Level View?
All credit awarded under the Settlement Agreement can be appropriately attributed to a particular state, but certain kinds of credit cannot be appropriately attributed to a particular county. That means in some cases the State-Level View shows a greater credit amount for the same relief than the sum of the credits earned in the counties displayed in the corresponding County-Level View because the County-Level View only includes credit that can be appropriately attributed to a particular county.

Specifically, this affects State Minimums Bonus credit and credit for the anti-blight relief awarded under Menu Items 4D-F. As to State Minimums Bonus credit, Citi received such credit because it earned more than a specified amount of credit for certain kinds of relief that it provided in a given Settling State. Such credit “belongs” to the whole state, not to any particular county. Similarly, credit awarded under Menu Items 4D-F often went to statewide organizations and thus cannot accurately be attributed to a particular county.

FAQ #11. On the Consumer Relief map, why do the amounts of Settlement Credit shown in the State-Level View sometimes differ from the amounts shown in the Final Report?
When indicating how much credit Citi received for relief under certain menu items or for certain categories of relief, the Final Report generally does not include bonus credit received for exceeding the State Minimums. However, the Consumer Relief map generally does include such amounts under the State-Level view, resulting in a larger amount of credit under many menu items, categories of relief, or business units. If you wish to see crediting amounts that do not include State Minimums bonus credit, use the County-Level view rather than the State-Level View. Note that, for the reasons explained in FAQ #10, selecting the County-Level view will prevent you from seeing Menu Items 4D-F relief (Anti-Blight Donations).

The table below shows how much credit Citi earned in each Settling State before the State Minimums Bonus, how much State Minimums Bonus credit it earned in each Settling State, and how much total credit it earned in each Settling State.

Settling State Credit Before
State Min. Bonus
State Min.
Bonus
Total Credit
California $326,707,314.82 $9,311,404.66 $336,018,719.47
Delaware $14,322,044.11 $344,484.02 $14,666,528.12
Illinois $189,103,684.90 $13,051,371.30 $202,155,056.20
Massachusetts $119,510,538.02 $2,542,948.95 $122,053,486.97
New York $286,586,414.85 $10,287,477.97 $296,873,892.82
Total $936,229,996.69 $35,537,686.90 $971,767,683.59

Fair Housing Maps

FAQ #12. How do the Fair Housing maps work?
The Fair Housing maps consist of three separate maps:

  • The “Fair Housing Analysis—Relief” map shows the geographic distribution of relief to individual borrowers credited under Menu Items 1, 2, and 4A of the Settlement Agreement. This relief was provided by Citi business units CFS and CMI. You can filter this map to get more specific information about the year the relief was provided, the states where the loans in question were originated, the Citi business unit that provided the relief, and the borrower's race or ethnicity.
  • The “Fair Housing Analysis—HMDA” map shows the geographic distribution of all lending to individual borrowers by Citi business units CFS and CMI according to data that Citi reported publicly in accordance with the Home Mortgage Disclosure Act (HMDA). You can filter this map to get more specific information about the year in which Citi originated or purchased the loans, the states where they were originated, the Citi business unit that provided the relief, and the borrower's race or ethnicity.
  • The Fair Housing Analysis—Comparison” map allows you to view the Citi Relief map and the HMDA Lending by Citi map on the same screen.

FAQ #13. What are the bar graphs beneath the “Race or Ethnicity” filter?
These bar graphs show, by percentage, the race or ethnicity of borrowers receiving relief under the Settlement Agreement and/or the race or ethnicity of all borrowers in the United States receiving CFS or CMI loans during the relevant period according to data that Citi reported in accordance with the Home Mortgage Disclosure Act (HMDA). You can click on them to filter the data shown in the corresponding map.

FAQ #14. How was the race or ethnicity distribution of relief determined?
The Monitor and the Monitor's consultants determined the race and ethnicity distribution of relief through a process described in the Final Report. (§ See VIII.E.3 and Appendix G.)

FAQ #15. How were the reference populations constructed for the Fair Housing map?
The reference populations for CFS and CMI were estimated for each menu item by using available data about Citi's originations, its purchase and sale of mortgages over time, and estimates of performance of those loans. For reasons described in the Final Report, constructing such baseline populations is an inherently uncertain exercise, given the structure of the Settlement Agreement and the incentives it creates; so, the Monitor treated the baselines as a data point, not as definitive evidence about the relative population for comparison.

Affordable Rental Housing Map

FAQ #16. How does the Affordable Rental Housing map work?
The Affordable Rental Housing map provides information regarding all of the housing developments for which Citi received credit for providing relief under Menu Item 5 of the Settlement Agreement. Menu Item 5 relief consisted of providing subordinated lending to developers who either built new affordable rental housing units or who renovated existing affordable rental housing units.

  • The map marks the location(s) of each development with a pin.

    • Clicking on the pin for an individual development will provide more information about that development.
    • Clicking on a state with one or more developments will cause the development information pane beside the map to show only the developments in that state.

  • The development information pane lets you sort the developments by state, the amount of Citi's subordinated loan to the developer, or the number of affordable rental units in the development.

    • Clicking on a particular development will cause the map to zoom to that development.

FAQ #17. Why does the Affordable Rental Housing map use both pins and circles?

  • A pin marks the location(s) of a single development. Clicking on a pin provides more information about that development.
  • A circle marks an area where, at a given zoom level, multiple developments are clustered too tightly to represent with individual pins. Clicking on a circle will zoom the map in. Zooming in close enough resolves each circle into its component pins.

FAQ #18. What are the differences among “Single Projects,” “Single Projects with Multiple Sites,” and “Multiple Projects”?

  • A “Single Project” is one affordable rental housing development in a single location. Such developments have blue pins in the map and blue backgrounds in the development information pane.
  • A “Single Project with Multiple Sites” is one affordable rental housing development with multiple locations. That is, the same development is distributed across different buildings or even different cities or counties. Such developments have yellow pins in the map and yellow backgrounds in the development information pane. For each development with multiple locations, the map places a single pin at a location roughly central to the development's various locations.
  • “Multiple Projects” circles mark locations of multiple affordable housing developments that are clustered too tightly to display as individual map pins at a given zoom level. To see the individual pins, click on the circles or zoom in until the pins are visible.

FAQ #19. Why did the development information pane disappear? How do I get it back?

  • Clicking on a state in the map limits the housing developments displayed in the development information pane to the Menu Item 5 developments in that state. Clicking on a state with no Menu Item 5 developments causes the development information pane to disappear. Click “Reset Filters” to restore the pane.

FAQ #20. On the Affordable Rental Housing map, is there a more efficient way to zoom out than clicking the – button over and over?

  • Yes. Clicking the “Reset Zoom” button will zoom out the map to show the continental United States.