Part 345 – Community Reinvestment

Fulfill Your FDIC Requirements

Part 345 applies to all state nonmember banks. The Community reinvestment act requires each financial institution to help meet the credit needs of local communities that meet the safety and soundness requirements of the facility. The act requires that banks meet the credit needs of the entire community, including low-and moderate-income neighborhoods through loans, investments and community service.

View the regulation

Associated Regulators

• Federal Deposit Insurance Corporation

Regulatory Guidance

• FFIEC CRA Main
• A Guide to CRA Data Collection and Reporting
• Interagency Questions and Answers Regarding Community Reinvestment
• Interagency Interpretive Letters
• CRA/HMDA Reporter Newsletters
• 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