Part 228 – Reg BB – Community Reinvestment Act (CRA) Compliance

Fulfill Your CRA Regulation Requirements

Regulation BB implements the Community Reinvestment Act (CRA) in 1977 to require financial institutions to serve the needs of the entire community in which they are located. CRA applies only to financial institutions insured by FDIC, and CRA covered activity is examined during regularly scheduled compliance examinations and when institution applies for deposit facility. (12 CFR 228)

View the regulation

Associated Regulators

• Federal Reserve

Regulatory Guidance

• FFIEC CRA Main
• A Guide to CRA Data Collection and Reporting
• Interagency Questions and Answers Regarding Community Reinvestment

• CRA Examinations (Schedules, Asset-Size Threshold Adjustments, Examination Procedures)
• CRA Ratings and Performance Evaluations (PEs)
• Assessment Area Common Mistakes and Questions, CRA HMDA Reporter 4 (Dec. 2012)
• Interagency Questions and Answers Regarding Community Reinvestment; Notice, (Nov. 20, 2013)
• Interagency Questions and Answers Regarding Community Reinvestment, (March 11, 2010)
• Examination Procedures for FRS, FDIC, OCC:
  • Small Institutions PDF File | MS Word
  • Intermediate Small Institutions PDF File | MS Word
  • Large Institutions PDF File | MS Word
  • Wholesale/Limited Purpose Institutions PDF File | MS Word
  • Institutions w/ Strategic Plans PDF File | MS Word