Community Reinvestment Act
Incentive to Impact: How CRA Leverages Private Investments into Affordable Housing, Homeownership, Small Businesses, and Local Economies
In 2024 alone, the Community Reinvestment Act (CRA) incentivized more than $430 billion in loans and investments for homeownership, small businesses, and affordable housing and community development in low- and moderate-income (LMI) communities nationwide.
Read the Center for Affordable Housing Lending’s report to learn more about how CRA has proven to be an essential policy that harnesses the power of the U.S. banking system to expand access to housing and economic opportunity.
CRA Coverage by State
The strength of CRA depends on which banks are incentivized to provide capital to communities—and where. Explore an interactive map showing CRA coverage across every state, including how proposed changes to bank asset thresholds could impact affordable housing and community development financing in your community.
“Sweeping changes to CRA could jeopardize the partnerships driving our housing, small business, and community development ecosystems, putting investments in housing supply and local economies at risk”
CRA Impact Profiles
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Innovative Office Conversion Creating Affordable Housing and Building Wealth in Utah
Salt Lake City, UT
Goldman Sachs -
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Building Housing, Healthcare, and Community for Florida Seniors
Pembroke Pines, FL
Citi -
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Growing a Family Business, Creating Jobs in South Carolina
Spartanburg, SC
JPMorganChase
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