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The Community Reinvestment Act of 1977 (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with the safe and sound operation of such institutions.
The CRA requires federal banking agencies to
On May 5, 2022, the OCC, the Federal Reserve Board (FRB), and the Federal Deposit Insurance Corporation (FDIC) jointly released a notice of proposed rulemaking (NPR) to strengthen and modernize the Community Reinvestment Act (CRA) regulations to better achieve the purpose of the CRA. The OCC encourages stakeholders to review the proposed rule and provide comments on or before the close of the comment period on August 5, 2022.
The OCC rescinded the June 2020 Rule in December 2021. Guidance issued to implement the 2020 rule remains in effect for activities conducted October 1, 2020, through December 31, 2021.
Visit the CRA Qualifying Activity Confirmation Request page.
Search national banks and federal savings associations' CRA ratings and performance evaluations.
Get a list of national banks and federal savings associations scheduled for CRA examinations in the next quarter.
National Banks Evaluated on the Basis of a Strategic Plan Under the CRA
Get a list of national banks operating under approved CRA strategic plans and a reference to the authorizing regulation.
Wholesale and Limited Purpose Banks
Get a list of banks designated as wholesale or limited purpose, definitions for these terms, and a reference to the authorizing regulation.
Get information about best practices and investment opportunities on a broad range of community development topics and access training, workshops and conferences conducted by Community Affairs Officers.