Community Reinvestment Act (CRA) Compliance Tools

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound operations. It was enacted by Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was substantially revised in May 1995 and updated again in August 2005. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated by the appropriate Federal financial supervisory agency periodically. Members of the public may submit comments on a bank’s performance. Comments will be taken into consideration during the next CRA examination. A bank's CRA performance record is taken into account in considering an institution's application for deposit facilities.

Last Updated Tool Name
01/01/2015 2013 Interagency Q & A Regarding Community Development Summary
01/29/2016 Board of Directors - Spotting Red Flags in Board Reports
01/01/2015 Branch Closing Cheat sheet
01/01/2015 Branch Closing Decision Flowchart
01/01/2015 Branch Closing Policy
01/01/2015 Branch Closing Procedures
01/01/2015 Branch Closure Requirements and Procedures
01/01/2015 Branch Opening CRA Analysis Worksheet
01/01/2015 Community Reinvestment Act (CRA) Statement
01/24/2017 Community Reinvestment Act (CRA) Training
03/10/2017 CRA Charitable Contribution Request Form and Checklist
01/01/2015 CRA Community Development Loan Checklist
01/01/2015 CRA Community Development Loan Worksheet
12/16/2020 CRA Exam Preparation Cheat Sheet - Intermediate Small
12/16/2020 CRA Exam Preparation Cheat Sheet - Small
02/27/2017 CRA Notice-For Branch Offices (FDIC)
01/01/2015 CRA Notice-For Branch Offices (FRB)
12/09/2020 CRA Notice-For Branch Offices (OCC)
02/27/2017 CRA Notice-For Main Offices (FDIC)
01/01/2015 CRA Notice-For Main Offices (FRB)
12/09/2020 CRA Notice-For Main Offices (OCC)
07/10/2019 CRA Policy
12/19/2018 CRA Public File Audit Worksheet
07/23/2020 CRA Qualifying Activity Assessment for OCC Banks
01/01/2015 CRA Recordkeeping Reporting and Disclosures

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