Community Reinvestment Act (CRA)

In a nutshell, the CRA requires federal banking agencies to:

• assess the institution’s record of meeting the credit needs of its entire community, including LMI neighborhoods, consistent with the safe and sound operation of such institution, and
• take such record into account in its evaluation of an application for a deposit facility by such institution.

For more information, see:

• Questions and Answers about CRA Exams, Procedures, and OCC's Responsibilities
• Federal Financial Institutions Examination Council (FFIEC)

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, CRA Examination Procedures
• CRA Examination Procedures for Small Institutions (PDF)
• CRA Examination Procedures for Intermediate Small Banks (PDF)
• CRA Examination Procedures for Large Banks (PDF)
• CRA Examination Procedures for Limited Purpose and Wholesale Institutions (PDF)
• CRA Examination Procedures for Institutions with Strategic Plans (PDF)
• CRA Illustrative List of Qualifying Activities (PDF)
• CRA Qualifying Activity Confirmation Request Form (PDF)
• CRA Small Bank Compliance Guide (PDF)

Resources

Examination Schedule

Get a list of banks scheduled for CRA examination 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.

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-chartered banks, bank holding companies, credit unions.