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Regulations and Examinations

Compliance Training Program - Community Reinvestment Act (CRA)

Last Updated: July 21, 2022

Program Overview

Community Reinvestment Act (CRA) School addresses the CRA regulation with emphasis on the small and intermediate small bank (ISB) CRA examination procedures. The course consists of lessons, group exercises, and a case study that takes the students through an ISB CRA examination step by step, including the creation and presentation of a CRA public evaluation. Participants actively take part in group case studies and other classroom activities.

The pre-course learning activities are critical to the completion of the course and must be submitted prior to attendance.

Key Objectives

Upon completion of this course, participants will be able to:

  • Define an ISB and describe relevant performance criteria.
  • Evaluate assessment area (AA) appropriateness.
  • Develop a performance context for a bank. 
  • Conduct a community contact.
  • Conduct ongoing discussions with management.
  • Develop the scope of the CRA examination.
  • Analyze lending activity under the ISB performance criteria.
  • Apply the basic concepts of community development lending, investments, and services.
  • Determine and support an ISB’s CRA rating.
  • Prepare an ISB CRA performance evaluation.
  • Discuss CRA evaluation results with management.
  • Recognize large bank examination concepts.


This is a two week course.

Instructional Format

Pre-course work (Independent Self Study), facilitated classroom discussion/lectures, small group activities, and in-class project.



Target Audience

This course is designed for pre-commissioned compliance examiners who generally have a minimum of 23-29 months of experience in compliance examinations after entering the compliance discipline. There should be a minimum of six months after attending Scoping and Planning for Examinations School.

This course is open to appropriate staff of the FDIC and partner government regulatory agencies. This course is not open to the public or staff of private banks.


Prior to attending, participants must complete the on-the-job training (OJT) Lesson Plans for "Small Bank CRA" and "Conducting Community Contacts," Complete the CRA Participant Profile, and Complete Pre-Course Assignments. The participant must have written all aspects of a CRA performance evaluation for at least two small bank CRA examinations or a combination that is the equivalent of such. Experience reviewing Community Development activities onsite or from workpapers of a previously examined bank is required to attend this course.

Pre-Course Assignment

The pre-course assignment is due in general two weeks/11 business days prior to the start of the session. The exact date the work is due for any given session will be specified in the pre-course information sent approximately two months prior to the start date. Participants must:

  • Complete the omitted information in the Description of the Institution and Assessment Area portions of a case study bank’s CRA public evaluation.
  • Review four on-line demonstrations that address key CRA Wiz applications.
  • Identify five observations of performance context issues that might impact the case study bank's CRA performance.
  • Develop five questions for the community contact interview with a city office of planning & economic development.
  • Develop five CRA-related questions for an entrance meeting with the case study bank's management.

Official Time

The Division of Depositor and Consumer Protection (DCP) has authorized 16 hours of time to complete the pre-course requirements.

Special Requirements

Participants are required to bring a laptop, an HP calculator, and the completed pre-course assignments to the session.

Post-Course Recommendation

Participants should be scheduled to conduct a CRA examination as soon as possible, but no later than six months after completing this course, to reinforce the skills learned from this session.

Post-Course Feedback

A Summary Evaluation Form, which provides a comprehensive analysis of the participant's in-class and project exercises, is sent to the participant's Field Supervisor approximately thirty days after the conclusion of the school.


Continuing Education Unit (CEU): 6.9
Continuing Professional Education Unit (CPE): 82.5

More Information

CPE Credit logoFor information regarding administrative policies such as complaints and refunds, please contact Corporate University, Attn: NASBA Representative Ava Livas, Room A-3025, 3501 North Fairfax Drive, Arlington, VA 22226 (703) 562-2463.

The Federal Deposit Insurance Corporation is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

IACET logoThe Federal Deposit Insurance Corporation (FDIC) is accredited by the International Association for Continuing Education and Training (IACET) ( The FDIC complies with the ANSI/IACET Standard, which is recognized internationally as a standard of excellence in instructional practices. As a result of this accreditation, the FDIC is accredited to issue the IACET CEU.

For more information concerning course content and administration, please contact Denise Roth at (571) 867-8505 or Kristine Fisk at (571) 384-5252.