The 1977 landmark Community Reinvestment Act addresses systemic inequities in access to credit. In 2023, key agencies issued a final rule to strengthen and modernize the law. On our newly revised webpage, read about the history of the CRA, the 2023 final rule, and how to find your bank’s overall CRA rating.
Components of a Sound Credit Risk Management Program describes aspects of an effective risk management program, starting from the loan policy, which is the foundation of such a program, and including credit underwriting standards for commercial and consumer loans and a list of common lending mistakes.
Crisis Preparedness: Reconnecting the Financial Lifeline is a video that covers crisis preparedness issues of interest to bankers and first responders.
Director's Guide to Credit helps directors assess credit proposals. Intended for use as a quick-reference tool, it explains common financial ratios, suggests credit memo considerations for various types of loans, and identifies some early warning signs of problem loans, among other topics.
The Director's Primer: Guide to Management Oversight and Banking Regulation Español
Facing the Risk of Foreclosure provides answers to provides answers to frequently asked questions on foreclosure prevention.
A Guide for Specialized Credit Activities describes aspects of sound lending programs for consumer, commercial real estate, and asset-based lending. The brochure describes recommended components of loan policies for all three types of lending, risk controls for commercial real estate lending, and more.
A Guide to Your First Bank Account describes the advantages of having a bank account, outlining the types of accounts available and how to open and manage an account. The brochure also answers some basic questions about information security, privacy protection, and banking resources for non-English speakers. Español
Highlights of the Supervisory Process for Community Banking Organizations describes the supervisory responsibilities of the Federal Reserve Bank of Atlanta's Supervision and Regulation Division for its state member banks.
Overview of the Components of an Effective Audit Function provides audit-related information to directors and managers responsible for internal audit programs. It includes supervisory expectations to consider when developing the audit policy and audit committee charter.