Community Reinvestment Act (CRA)

Congress enacted CRA in 1977 to encourage insured depository institutions to help meet the credit needs of their communities. Over the past 40 years, banks and not-for-profit lenders have worked hard to increase the flow of private capital to underserved areas. The law has helped to revitalize our nation’s low- and moderate-income (LMI) communities by increasing access to credit, on fair terms, and in a safe and sound manner.

Regulatory Comments

NAAHL Comment Letter on Federal Reserve Board CRA ANPR [February 2021]

NAAHL Comment Letter on OCC/FDIC CRA ANPR [April 2020]

NAAHL Comment Letter on OCC CRA ANPR [November 2018]

NAAHL Recommendations to Treasury on Improving Implementation of the Community Reinvestment Act [October 2017]

Unsubsidized Affordable Rental Housing Under CRA [October 2017]

Banking Agencies Finalize New and Revised CRA Q&As [August 2016]


Video: Subcommittee on Consumer Protection and Financial Institutions Hearing: “The Community Reinvestment Act: Assessing the Law’s Impact on Discrimination and Redlining” [April 2019]

House Financial Services Committee, Subcommittee on Consumer Protection and Financial Institutions Hearing: Statement of Benson F. Roberts: Community Reinvestment Act [April 2019]


What’s Next for CRA? [May 2020]

Insights into the Proposed Changes to the Community Reinvestment Act [March 2020]

A Look at Current CRA Lending as Modernization Begins [January 2019]

CRA Modernization: The Agencies’ Perspective [June 2019] 

New Knowledge: CRA Lending Data, Local Housing Solutions, and Gentrification [June 2019]

Interview: Comptroller of the Currency Joseph Otting [June 2018]

How Recent Research Informs CRA [November 2017]

Practitioners’ Roundtable: CRA Past, Present, and Future [November 2017]

The CRA Regulators’ View [November 2017]

Show Me the Future: CRA in a Digital Financial Services World [November 2017]


The Community Reinvestment Act: Lending Data Highlights [November 2018]

In Defense of CRA [2008]

Tax Credits

Clarifying CRA Policy Would Stimulate Financing [February 2016]