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.


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


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

In Defense of CRA [2008]


NAAHL Comment Letter on CRA [November 2018]

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


Tax Credits

Clarifying CRA Policy Would Stimulate Financing [February 2016]