The Community Reinvestment Act (CRA), enacted by Congress in 1977 (12 U.S.C. 2901) and implemented by Regulations 12 CFR parts 25, 228, 345, and 195, is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations.
The CRA requires that each insured depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities, including mergers and acquisitions CRA examinations are conducted by the federal agencies that are responsible for supervising depository institutions: the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC).
All institutions regulated by the OCC, Federal Reserve, and FDIC that meet the asset size threshold are subject to data collection and reporting requirements.
CRA Regulations
- Board of Governors of the Federal Reserve System
- Federal Deposit Insurance Corporation
- Office of the Comptroller of Currency
Reporting Criteria and Examinations
All institutions regulated by the OCC, Federal Reserve, and FDIC that meet the asset size threshold are subject to data collection and reporting requirements.
CRA Ratings
CRA Filings and Software Downloads
Data and Online Reports
- Aggregate Reports
- Census and Demographic Data
- Disclosure Reports
- National Aggregate Reports
- Distressed and Underserved Tracts
- Flat Files - Downloadable files that allow users to analyze and create reports using FFIEC census data that may be combined with the appropriate year(s) of HMDA and CRA data.
Additional Information