Community Reinvestment Act (CRA)

The Community Reinvestment Act of 1977 (CRA) provides a framework for financial institutions, state and local governments, and community organizations to jointly promote banking services to all members of a community.

In a nutshell, the CRA

  • Prohibits redlining (denying or increasing the cost of banking to residents of racially defined neighborhoods), and
  • Encourages efforts to meet the credit needs of all community members, including residents of low- and moderate-income neighborhoods.

For more information, see:

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

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.