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Banker Resource Center

Community Reinvestment Act (CRA)

Last Updated: September 7, 2022

CRA Statute & Tools

CRA requires the FDIC to assess an institution's record of helping to meet the credit needs of the local communities in which the institution is chartered. Below are links that will allow you to review the Act, find a bank's current CRA rating and Public Disclosure, review lists of upcoming CRA examinations and pending applications (decisions), and access resources with bank demographic and financial information.

Interagency Notice of Proposed Changes to the Community Reinvestment Act

Summary

The Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve System are requesting comment on a joint Notice of Proposed Rulemaking on the Community Reinvestment Act. The NPR is intended to strengthen and modernize the rule that implements the CRA by:

  • Expanding access to credit, investment, and basic banking services in low– and moderate–income (LMI) communities, which are CRA’s core goals;
  • Adapting to changes in the banking industry, including mobile and internet banking by modernizing assessment areas while maintaining a focus on branch–based areas;
  • Providing greater clarity, consistency, and transparency in the application of the regulations through the use of standardized metrics as part of CRA evaluation and clarifying eligible CRA activities focused on LMI communities and under–served rural communities;
  • Tailoring CRA rules and data collection to bank size and business model; and
  • Maintaining a unified approach among the regulators.

More resources about the proposed changes

Statements from the Chairman about the proposed changes

Comment submission closed on August 5, 2022. You can view the comments on the proposed changes to the Community Reinvestment Act on Regulations.gov.

Make a Comment

Submit a comment about an upcoming CRA examination and/or a pending bank application

 

Technical Assistance Video Program

Approximate run time: 30 minutes

The Community Reinvestment Act

This presentation provides an overview of the Community Reinvestment Act (CRA), and is designed to provide bank directors with foundational knowledge regarding CRA.  Topics include the purpose of CRA, different CRA evaluation types, how to comply, and practical ideas to assist banks in helping to meet the credit needs of their assessment areas.

Directors’ College Video Series Presentation Materials – The Community Reinvestment Act (PDF Help)

FDIC YouTube Channel: Directors’ College Video Series Presentation – The Community Reinvestment Act

FDIC YouTube Videos: Mortgage Rule Videos

If you have any questions about this presentation on The Community Reinvestment Act, send them to supervision@fdic.gov.