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  2. Community Reinvestment Act (CRA) - FDIC

    www.fdic.gov/banker-resource-center/community-reinvestment-act-cra

    Learn about the CRA, a law that encourages banks to help meet the credit needs of low- and moderate-income communities. Find the final rule to strengthen and modernize CRA regulations, as well as resources for applications, examinations, ratings, and regional contacts.

  3. Community Reinvestment Act (CRA) - Federal Reserve Board

    www.federalreserve.gov/consumerscommunities/cra_about.htm

    The Community Reinvestment Act (CRA) requires banks to help meet the credit needs of low- and moderate-income neighborhoods. The Federal Reserve examines and rates state member banks for CRA compliance and shares information about community development techniques.

  4. Community Reinvestment Act (CRA) - FDIC

    www.fdic.gov/regulations/resources/director/presentations/CRA.pdf

    Learn how the Community Reinvestment Act (CRA) evaluates depository institutions' record in meeting the credit needs of their communities, including LMI neighborhoods. Find out the different evaluation methods, criteria, and ratings for small, intermediate, and large banks.

  5. Final Rule - Federal Reserve Board

    www.federalreserve.gov/consumerscommunities/community-reinvestment-act-final...

    The Board, the FDIC, and the OCC have issued a final rule to update and modernize the Community Reinvestment Act (CRA) regulations. The rule aims to strengthen the CRA's core purpose and adapt to changes in the banking industry, and most of its new requirements are applicable from January 1, 2026.

  6. Interagency Overview of the Community Reinvestment Act Final Rule

    www.fdic.gov/news/fact-sheets/interagency-overview-cra-final-rule-10-24-23.html

    The CRA final rule, issued in October 2023, aims to strengthen and modernize the regulations for federally insured banks to address inequities in access to credit. The rule updates the performance standards, data collection, and public engagement for different bank sizes and business models.

  7. Community Reinvestment Act - American Bankers Association

    www.aba.com/banking-topics/compliance/acts/community-reinvestment-act

    CRA is a law that requires banks to help meet the credit needs of the communities they serve, especially low- and moderate-income areas. Learn about the CRA rules, regulations, FAQs, and resources from the ABA.

  8. Community Reinvestment Act (CRA) | OCC

    www.occ.gov/topics/consumers-and-communities/cra/index-cra.html

    Learn about the CRA, a federal law that encourages banks to help meet the credit needs of their communities, including low- and moderate-income neighborhoods. Find CRA ratings, exam schedules, handbooks, procedures, and guidance from the OCC.

  9. Learn about the CRA, a law that encourages banks to help meet the credit needs of their communities. Find out how to report CRA data, access CRA examinations, ratings, and products, and get the latest updates and news.

  10. Community Reinvestment Act: Key Provisions of the June 2020 CRA...

    www.occ.treas.gov/news-issuances/bulletins/2020/bulletin-2020-99.html

    Banks must comply with certain provisions of the June 2020 rule as of the effective date of October 1, 2020, while other provisions have compliance dates of either January 1, 2023, or January 1, 2024, depending on the bank type.

  11. A Banker’s Quick Reference Guide to CRA - Dallas Fed

    www.dallasfed.org/~/media/documents/cd/pubs/quickref.pdf

    Learn about the Community Reinvestment Act (CRA) and how it is evaluated by regulatory agencies. This guide covers definitions, performance standards, strategic plan option, public file requirements and CRA ratings for different bank sizes.