Disclaimer: The content on this page is provided for informational purposes only. It does not represent the regulatory standards of the Atlanta Fed or any other part of the Federal Reserve System for assessing compliance with CRA regulations, nor advice on how to fulfill the requirements of the CRA.
About the CRA: Learn about its history, impact, and regulations.
- An Introduction to the CRA (youtube.com): Learn about the history of the Community Reinvestment Act and how it is relevant today.
- Four decades in, here’s how and why the CRA keeps evolving: Look back at the CRA’s past, including the historical conditions that inspired it and shaped its implementation.
- History of the CRA: See how the CRA has been amended by Congress since its enactment in 1977, and the significant updates to regulations.
- CRA Statute: View the official US Code: Title 12—Banks and Banking, Chapter 30—Community Reinvestment (§§ 2901-2908).
- A Banker’s Quick Reference Guide to CRA: Use this guide to CRA regulation and examination procedures.
- Data Collection Grid for CRA Loans: Refer to this guide that describes for-profit and nonprofit loan categories to assist with CRA data collection.
CRA Examinations and Ratings: Search CRA exam schedules for financial institutions across the Federal Reserve System, or look up past CRA performance evaluations and ratings. A bank's entire public CRA file must be available at its main office. If your bank operates in more than one state, it must keep a file at one branch office in each of these states. You can ask to inspect this file, at no charge to you, any time the bank is open.
CRA Modernization: On October 24, 2023, the Federal Reserve Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the (OCC) issued a final rule amending CRA regulations. The final rule reflects substantial feedback from stakeholders, including feedback on the Board’s Advance Notice of Proposed Rulemaking and the Notice of Proposed Rulemaking. For information on the final rules’ new requirements and applicability dates, visit the Board of Governors of the Federal Reserve System website on the Community Reinvestment Act Rulemaking page.
- Fact Sheet: Highlights key goals of the CRA final rule: encourage banks to expand access to services; adapt to changes, including mobile and online banking; and providing greater clarity and consistency in the application of regulations.
- Eight key objectives: Building on stakeholder feedback, the key objectives are provided in this overview by the Federal Reserve Board, the FDIC, and the OCC.
- Bank regulation revisions: Memo describing the changes to the Federal Reserve Board’s regulations to implement the CRA final rule
- Podcast Explores Modernizing the Community Reinvestment Act (CRA): This conversation between Raphael Bostic, president of the Federal Reserve Bank of Atlanta, and Lael Brainard, a member of the Board of Governors of the Federal Reserve System, you will hear why the CRA is more important than ever.