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]
Unsubsidized Affordable Rental Housing Under CRA [October 2017]
Banking Agencies Finalize New and Revised CRA Q&As [August 2016]
Testimony
Forums/Seminars
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]
Reports
The Community Reinvestment Act: Lending Data Highlights [November 2018]
Tax Credits
Clarifying CRA Policy Would Stimulate Financing [February 2016]