The Community Reinvestment Act of 1977 (CRA) provides a framework for financial institutions, state and local governments, and community organizations to jointly promote banking services to all members of a community. In a nutshell, the CRA

• Prohibits redlining (denying or increasing the cost of banking to residents of racially defined neighborhoods), and
• Encourages efforts to meet the credit needs of all community members, including residents of low- and moderate-income neighborhoods.

For more information, see:

• Questions and Answers about CRA Exams, Procedures, and OCC's Responsibilities
• Federal Financial Institutions Examination Council (FFIEC)
• Joint Public Hearings on the Community Reinvestment Act Regulations

Database Search

CRA Database Search: Ratings and Performance Evaluations
Search national bank CRA ratings and performance evaluations and get lists of banks examined for CRA compliance.

Note: CRA ratings and performance evaluations published by the former Office of Thrift Supervision (OTS) prior to July 21, 2011 are also available in the CRA Performance Evaluations search application.

CRA Ratings and Performance Evaluations by Month and Year

See CRA ratings and performance evaluations by month and year.

Handbooks, Procedures and Guidance

• OCC Comptroller's Handbook, 1999
• CRA Examination Procedures for Small Institutions
• CRA Examination Procedures for Intermediate Small Banks
• CRA Examination Procedures for Large Banks
• CRA Examination Procedures for Limited Purpose and Wholesale Institutions
• CRA Examination Procedures for Institutions with Strategic Plans
• Large Bank CRA Examiner Guidance

Resources

Examination Schedule
Get a list of banks scheduled for CRA examination in the next quarter.

Banks Operating Under Strategic Plans
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.

Interagency Questions and Answers
Get help interpreting the meaning and requirements of CRA from the Federal Financial Institutions Examination Council.

Freedom of Information Act (FOIA)
Learn how to submit or check on a FOIA request to the OCC and search documents.

How to Obtain Public Information about Banks
Get resources for information on national banks, savings and loans, state-charted banks, bank holding companies, credit unions, and savings and loans.

• Home

• About the OCC
  • What We Do
    • Mission
    • Strategic Plan
    • Annual Report
    • History: 150 Years of the OCC
  • Who We Are
    • Comptroller of the Currency
    • Leadership
    • District and Field Offices
    • Careers at the OCC
    • OCC for You
  • Contact Us
    • Contact OCC
    • Consumer Complaints and Assistance
    • Doing Business with the OCC
    • Freedom of Information Act (FOIA)
    • Comment on Proposed Regulations
    • Public Information

• News and Issuances
  • News Releases
    • 2017
    • 2016
    • 2015
    • 2014
    • 2013
    • 2012
    • 2011
    • 2010
    • 2009
    • 2008
    • 2007
    • 2006
    • 2005
    • 2004
    • 2003
    • 2002
    • 2001
    • 2000
    • 1999
    • 1998
    • 1997
    • 1996
    • 1995
  • Bulletins
    • 2017
    • 2016
    • 2015
    • 2014
    • 2013
    • 2012
    • 2011
    • 2010
    • 2009
    • 2008
    • 2007
    • 2006
    • 2005
    • 2004
    • 2003
    • 2002
    • 2001
    • 2000
    • 1999
    • 1998
    • 1997
    • 1996
    • 1995
    • 1994
    • Pre-1994
    • Rescinded
  • Alerts
    • 2017
    • 2016
    • 2015
    • 2014
    • 2013
    • 2012
    • 2011
    • 2010
    • 2009
    • 2008
    • 2007
    • 2006
    • 2005
    • 2004
    • 2003
    • 2002
    • 2001
    • 2000
    • 1999
    • 1998
    • 1997
    • 1996
    • 1995
  • Consumer Advisories
    • 2011
    • 2010
    • 2009
    • 2008
    • 2007
    • 2006
    • 2005
  • Congressional Testimony
    • 2017
    • 2016
    • 2015
    • 2014
    • 2013
    • 2012
    • 2011
    • 2010
    • 2009
    • 2008
    • 2007
    • 2006
    • 2005
    • 2004
    • 2003
    • 2002
    • 2001
    • 2000
    • 1999
    • 1998
    • 1997
    • 1996
    • 1995
  • Speeches
    • 2017
    • 2016
    • 2015
    • 2014
    • 2013
    • 2012
    • 2011
    • 2010
    • 2009
    • 2008
    • 2007
    • 2006
    • 2005
    • 2004
    • 2003
    • 2002
    • 2001
    • 2000
    • 1999
  • Advisory Letters
    • 2004
    • 2003
    • 2002
    • 2001
    • 2000
    • Pre-1995
    • Rescinded
  • Public Service Announcements
  • Events
  • Media Press Room
  • Search News and Issuances Archive

• Publications
  • Alphabetical Listing
  • Publications by Topic
    • Bank Management
    • Bank Operations
    • Capital Markets
    • Capital Policy
    • Community Affairs
    • Compliance/BSA
    • Consumer Protection
    • Credit
    • Dispute Resolution
    • Economics
    • Examinations
    • International Banking
    • Laws and Regulations
  • Publications by Type
    • Annual Reports
    • Comptroller's Handbook
    • Licensing Manual
    • Economics Staff Publications and Working Papers
    • Other Publications/Reports
    • Survey of Credit Underwriting Practices Report

• Tools and Forms

• Topics
  • Bank Management
    • Community Banks
    • Minority Depository Institutions
    • Mutual Savings Associations
  • Bank Operations
    • Accounting
    • Bank Information Technology (BIT)
    • Financial Crime
    • Innovation
  • Capital Markets
    • Asset Management
    • Balance Sheet Management
    • Financial Markets
  • Capital Policy
  • Community Affairs
    • Community Outreach
    • Publications
    • Resource Directories
  • Compliance/BSA
    • Bank Secrecy Act
    • Community Reinvestment Act (CRA)
  • Consumer Protection
    • Credit Cards, Debit Cards, And Gift Cards
    • Credit Reporting
    • Depository Services
    • Fair Lending
    • Flood Disaster Protection
    • Foreclosure Prevention
    • Fraud Resources
    • Mortgages
    • Payday Lending
    • Privacy
    • Servicemembers' Civil Relief Act
    • Truth In Lending
  • Credit
    • Commercial Credit
    • Retail Credit
  • Dispute Resolution
    • Consumer Complaints
    • Bank Appeals
  • Economics
    • Economics Staff
    • Staff Publications and Working Papers
  • Examinations
    • Assessments & Fees
    • Examinations Overview
  • International Banking
    • Outreach
    • International Banking Supervision
  • Laws & Regulations
    • OCC Regulations
    • Enforcement Actions
    • Interpretations and Precedents
    • Legislation of Interest
    • Litigation
  • Licensing
    • Corporate Activities
    • Interpretations & Actions
    • National Banks & Federal Savings Associations Lists