Community Reinvestment Act (CRA)
The Community Reinvestment Act of 1977 (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with the safe and sound operation of such institutions.
Popular Links
CRA Qualifying Activities Confirmation Request
OCC Frequently Asked Questions for Banks Regarding COVID-19
CRA Final Rule (PDF)
List of CRA Qualifying Activities (PDF)
CRA Final Rule Fact Sheet (PDF)
Summary of Changes from Proposed Rule (PDF)
Video Explains CRA Modernization
Comptroller's Handbook: Community Reinvestment Act
Comptroller's Handbook: Fair Lending
Overdraft Protection: Final Rule (PDF)
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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 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, 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.
Popular Links
CRA Qualifying Activities Confirmation Request
OCC Frequently Asked Questions for Banks Regarding COVID-19
CRA Final Rule (PDF)
List of CRA Qualifying Activities (PDF)
CRA Final Rule Fact Sheet (PDF)
Summary of Changes from Proposed Rule (PDF)
Video Explains CRA Modernization
Comptroller's Handbook: Community Reinvestment Act
Comptroller's Handbook: Fair Lending
Overdraft Protection: Final Rule (PDF)
Top Tasks
Related News and Issuances
Date | ID | Title |
---|---|---|
12/14/2020 | NR 2020-169 | Federal Banking Agencies Announce Availability of 2019 Small Business, Small Farm, and Community Development Lending Data |
12/01/2020 | NR 2020-164 | OCC Releases CRA Evaluations for 39 National Banks and Federal Savings Associations |
11/30/2020 | NR 2020-162 | OCC Issues First Quarter and Second Quarter 2021 CRA Evaluation Schedule |