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U.S. DEPARTMENT OF THE TREASURY

Emergency Capital Investment Program

User Guide for Application Submission

The following guide is intended to aid users to access and submit an application for investment from the Department of 

the Treasury through the Emergency Capital Investment Program (ECIP). It is not the instructions for completing the 

substance of the application. 

This Application for the Emergency Capital Investment Program and any supporting materials must be submitted to 

Treasury via the Program’s online application portal, available through the Treasury website at: ECIP webpage. As part of 

the process to determine whether an Applicant may receive a capital investment under the Program, the Secretary may 

consult and share Application materials with an Appropriate Federal Banking Agency (the FDIC, FRB, OCC, NCUA, as 

applicable), and the Applicant’s State Regulator.

This Application and the Emergency Investment Lending Plan reference definitions and capitalized terms defined in the 

Program’s Application Instructions and the Community Development Banking and Financial Institutions Act of 1994, as 

amended by the Consolidated Appropriations Act, 2021.

Full instructions can be found on the Emergency Capital Investment Program (ECIP) webpage located here: ECIP 

Homepage 

Contact the ECIP Team with any questions or concerns at ecip@treasury.gov. 

Table of Contents

Getting Started.................................................................................................................................................1

Application Submission......................................................................................................................................2

Getting Started

1. You will be required to log in using ID.me with this link: https://portal.treasury.gov/cares/s/ecip

a. More information on creating and using an ID.me account can be found at the following link: 

ECIPApplicationPortalRegistration_DetailedInstructions.pdf (treasury.gov)

2. After logging in you will be taken to the Treasury COVID 19 Relief Hub page. You will see a warning message, 

please read and dismiss the message by clicking on the dismiss button below. 
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3. Next, under Program Areas, please click the Emergency Capital Investment box to view the program.

Application Submission

1. Once you have clicked the Emergency Capital Investment box to view the program, you will arrive at the 

application landing page, to start an application. 

2. There will be a menu list to the left to access information related to the application, such as the application, 

introduction, application process, eligibility, term sheets, aggregate amounts, conflicts of interest, termination 

of investment authority, and paperwork reduction act notice. Please read the details of the content.
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3. To start, click the “Start an Application” button.

4. Please note the application details in the header of the application, such as the ECIP Applicant ID, Applicant 

name, Applicant Taxpayer ID, Applicant Duns Number, Applicant Street Address, Applicant State of 

Incorporation/Organization, and Status. Please also note that the application will be in draft form until the 

application is submitted. The submission deadline is January 31, 2023. Lastly, applicants should never submit 

Personally Identifiable Information (PII).

5. To the bottom left of the application details, there will be a menu list to access information related to the 

application, such as User Instructions, Term Sheets, Definitions, Applicant Information, Applicant Organization, 
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Affiliates, Financial Positions, Emergency Lending Plan, and Certification and Submission. Please click each tab 

starting with the User Instructions and ending with the Certifications and Submission tab. Please save after 

entering information on each of the tabs.

6. User Instructions:

Please read the User Instructions and complete each field, if required, please also provide supporting 

explanations and documentation. Please also note that the application has several sections which were listed 

above. 

If you are collaborating on this application with someone else, send an email to the caresitforms@treasury.gov 

to request that your co-workers id.me profile be merged so that you may collaborate together on this ECIP form.

If someone’s access needs to be revoked, you can send an email to caresitforms@treasury.gov in order to 

request that your co-workers profile be removed.

After the application is completed and submitted successfully, the primary contact person listed in the 

application will receive an automated confirmation email from the Treasury.

7. Term Sheets:

Please click and read the Term Sheets by selecting the bullet. Based on the type of applicant and other factors, 

Treasury’s investment under the ECIP may take the form of senior preferred stock or subordinated debt. 

8. Definitions: 
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Please click and read the Definitions by selecting Quick Links. The definitions are applicable the guidelines, the 

Emergency Capital Investment Lending Plan, and the Application Form. 

9. Applicant Information:

Please complete each field of the Applicant Information tab. The term “Applicant” refers to the eligible 

institution that is seeking to apply to receive a capital investment under the Program. 

Once all fields are completed, please reminder to “Save this page” which is located on the bottom right of the 

page.
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10. Applicant Organization:

Please complete each field of the Applicant Organization tab. 

Once all fields are completed, please reminder to “Save this page” which is located on the bottom right of the 

page.

11. Affiliates:
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Please complete each field by selecting the drop-down box. This tab has two areas to “Save this page.” There is a 

“Save this page” button near the top right and a button near the bottom right side of the page. Please click each 

button after providing the requested information. 

Please follow each prompt on the page as instructedto complete the requested information. For example, a 

response of yes to the “Add more Affiliates” prompts additional fields to complete to add the affiliate 

information. Next, click the “Create Affiliate” button. 

Please select the save button once the information populates. Create additional affiliates repeating the steps 

above if more affiliates are needed.

Please provide a chart that identifies the Applicant’s ownership structure and all Affiliate relationships and 

upload the files or drop the files. 
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Additionally, if the Applicant is a BHC, a SLHC, or the Affiliate of a BHC/SLHC, the Applicant may skip the question 

if it uploads its most recent FR Y-6. 

Lastly, please click the “Save this page” button near the bottom right side of the page.

12. Financial Positions:

Please provide the following information on the Applicant by selecting the drop-down box.

Lastly, please click the “Save this page” button near the bottom right side of the page.
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13. Emergency Lending Plan:

The Applicant must provide documentation that supports its responses to questions 1 through 4 of the 

Emergency Investment Lending Plan. Please click the “Save this page” button near the bottom right side of the 

page each time you enter information.

If the Applicant is a BHC or a SLHC, the information provided in response to questions 1 through 4 must be based 

on information aggregated across all of the Applicant’s Subsidiary Insured Depository Institutions.

The definitions of the capitalized terms contained in the Emergency Investment Lending Plan appear I the 

Community Development Banking and Financial Institutions Act of 1994, as amended by the Consolidated 

Appropriations Act, 2021, and the Application Instructions for the Emergency Capital Investment Program.

Please follow each prompt on the page as instructed to complete the requested information. 

Question 1: Lending to LMI and Other Targeted Populations. 
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Question 1(a). Loans originated refers to all new extensions of credit funded by the Applicant during the 

referenced fiscal year. Please provide exact whole numbersto the extent possible. Please note which figures 

used for FY2020 and FY2021, if any, are estimated and submit supporting documentation for any estimates in 

the upload box below. If the Applicant is a BHC or a SLHC, the information provided must be information 

aggregated across all of the Applicant’s Subsidiary Insured Depository Institutions.

Applicants must provide supporting documentation that indicates which figures used for FY 2020 and FY 2021 

are estimated and provide the methodology and information used to make such estimates.

Please upload the files or drop the files. 

Question 1(b). For loans originated by the Applicant over the past 2 fiscal years to “borrowers and projects that 

create direct benefits for LMI populations” counted towards figures reported in Question 1(a), provide the 

following information for up to the five largest of such borrowers served by the Applicant. 

Please enter the text and select the drop-down box.
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Question 1(c). If the Applicant is unable to show that it meets the 30% threshold as required by the Act in 

Question 1(a), please provide other data and information that can be used as a proxy to demonstrate that not 

less than 30 percent of the lending of the Applicant over the past 2 fiscal years was made directly to LMI 

borrowers, to borrowers or projects that create direct benefits for LMI populations, to Other Targeted 

Populations, or any combination thereof, as measured by the total number and dollar amount of loans. Lending 

made to borrowers in census tracts that are majority Other Targeted Populations (see row 5 in Question 1(a)) is 

an example of a geography-based proxy for lending “directly to Other Targeted Populations” (see row 3 in 

Question 1(a)). In responding to this Question 1(c), borrowers may provide additional proxies for lending to LMI 

or Other Targeted Populations, including data with respect to the past two fiscal years, and provide a 2- year 

track record based on that data and a three-year projection for lending.

Please upload the files or drop the files. 

Question 2: Business Strategy to Address Community Development Needs. 

Please describe how the business strategy and operating goals of the Applicant will address the community 

development needs in communities that may be disproportionately impacted by the economic effects of COVID19, which includes the needs of small businesses, consumers, nonprofit organizations, community development, 

and other projects providing direct benefits to LMI communities, Low-Income individuals, and Minorities within 

the Minority, Rural, and Urban Low-Income and Underserved Areas served by the Applicant. Provide measurable 

factors for how the community has been impacted by COVID-19, such as increasesin unemployment, the 

number of businesses closed due to the pandemic, or mortgage delinquencies.

The response to this question should also include up to five examples of particular business activities that the 

Applicant will perform in FY 2023-24 to address community development needs in communities that may be 

disproportionately impacted by the economic effects of COVID-19. 

For each example, provide quantitative estimates and anticipated timing information that illustrate how the 

relevant community development needs will be met, what particular groups and communities (e.g. small 
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businesses, Low-Income individuals) will benefit, and the overall planned economic impact to those 

groups/communities and in Minority, Rural, and Urban Low-Income and Underserved Areas served by the 

Applicant. Where appropriate, address how an investment received under the ECIP will support the described 

activities.

Each Applicant should provide data and information that support its belief that business strategy and operating 

goals are realistic and achievable and will address the Community Development needs in communities that may 

be disproportionately impacted by the economic effects of COVID-19.

Please upload the files or drop the files. 

Question 3: Emergency Lending Plan.

Question 3(a) - Aggregate Growth Strategy

Please provide the additional aggregate dollar amount of qualified and deep impact loans, grants, and 

forbearance projects that the Applicant, as a direct result of issuing the full amount of financial instruments or 

senior preferred stock to the Treasury Department that it is seeking to issue under the Program, would provide 

over the 10 year term of the financial instrument

Please provide the amount in the box below. 

Treasury will consider county level data in evaluating Emergency Investment Lending Plans. Accordingly, 

applicants must provide projections of aggregate growth in each county in their target market(s).

Using the template provided, provide the percentage of the aggregate dollar amount of qualified and deep 

impact loans, grants and forbearance (from above) that the applicant projects will occur in each county in their 

target market(s). (The total percentage must equal 100% for all counties.)

Select “Download Template” to access the template.

 

Please upload the files or drop the files. 
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Question 3(b) - Minority and Disadvantaged Growth Strategy. 

Please explain how the Applicant plans to expand or maintain significant lending or investment activity in LMI 

Minority communities, especially those that may be disproportionately impacted by COVID-19, to historically 

disadvantaged borrowers, and to Minorities that have significant unmet capital or financial services needs.

The response should include quantifiable details on the Applicant’s planned approach to expanding or 

maintaining significant levels of lending or investment in these communities related to current/projected types 

of lending and investment (e.g., small business loans, loans to consumers), current/projected types of projects 

that will be funded (e.g., housing), and the community needs that projected lending or investment activities 

would serve.

Please upload the files or drop the files. 

Question 4: Community Outreach and Communication.

Please provide a detailed plan describing how the Applicant will engage in community outreach and 

communication in communities and with borrowers as identified in the Act, specifically including small 

businesses, Minority-owned businesses, and consumers, especially in low-income and underserved 

communities, including persistent poverty counties and limited English proficient populations, that may be 

disproportionately impacted by the economic effects of the COVID–19 pandemic. The Applicant’s plan for 

community outreach and communication may be provided or described through a community benefits 

agreement between the Applicant and organizations, trade associations, and individuals that represent or work 

within Minority or LMI communities.

The response should include quantitative details on how particular aspects and features of the Applicant’s 

planned community outreach and communication approach (e.g., advertisements to be purchased, sales 

personnel hired) may help the Applicant achieve the projected FY 2023-2024 lending and/or investment activity 

amounts set forth in response to Question 1(a).

Please upload the files or drop the files. 

Lastly, please click the “Save this page” button near the bottom right side of the page.
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14. Certification & Submission

The Chief Executive Officer and Chief Financial Officer or authorized representative performing similar function 

must certify and submit the application. 

Please upload the files or drop the files for additional information not provided elsewhere in this application in 

support of its Emergency Investment Lending Plan, including the Applicant’s most recent fiscal year-end audited 

financial statement (or explanation why an audit will not be provided). The Applicant hereby verifies the 

accuracy of this information.

Please upload the files or drop the files for the Incumbency Certificate.

The Chief Executive Officer and Chief Financial Officer or authorized representativemust certify in good faith to 

the message on the page by reading and signing. Each individual must sign to certify and save. 
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When both signatures are saved, please select the submit button. 

Contact the ECIP Team with any questions or concerns at ecip@treasury.gov. 

Resources on the ECIP Application are available on the ECIP webpage: ECIP webpage link