; (C) in the case of a mutual institution, where the majority of the Board of Directors, account holders, and the community which it services is predominantly minority; and (D) in the case of any other institution, is a minority-owned or minority-led institution, as determined by the Administrator of the Community Development Financial Institutions Fund. (2) Minority The term minority means any Black American, Native American, Hispanic American, or Asian American. 5. Minimum issuance amounts under the CDFI Bond Guarantee Program (a) Reduction for fiscal year 2020 (1) In general Section 114A(e)(2)(B) of the Riegle Community Development and Regulatory Improvement Act of 1994 ( 12 U.S.C. 4713a(e)(2)(B) ) is amended by striking $100,000,000 and inserting $25,000,000 . (2) Rule of application The Notice of Guarantee Availability issued for the Bond Guarantee Program in fiscal year 2019 (CFDA 21.011) shall apply for purposes of carrying out the Program (as defined under section 114A(a) of the Riegle Community Development and Regulatory Improvement Act of 1994) with regard to commitments to guarantee bonds and notes during fiscal year 2020. (b) Permanent adjustment Effective October 1, 2020, section 114A(e)(2)(B) of the Riegle Community Development and Regulatory Improvement Act of 1994 ( 12 U.S.C. 4713a(e)(2)(B) ) is amended by striking $25,000,000 and inserting $50,000,000 . 6. Community Capital Investment Program Section 4003 of the CARES Act ( 15 U.S.C. 9042 ) is amended by adding at the end the following: (i) Community Capital Investment Program (1) In general The Secretary of the Treasury shall establish a Community Capital Investment Program (the Program ) to support the efforts of community investment institutions to provide loans and forbearance for small businesses, minority-owned businesses, and consumers, especially in low-income and underserved communities, by— (A) providing direct capital investments in community investment institutions