CRA

Agencies Issue Host State Loan-to-Deposit Ratios

Federal bank regulatory agencies today jointly issued updated host state loan-to-deposit ratios, as required by law. Each respective host state loan-to-deposit ratio shows the ratio of total loans in a state to total deposits in the state for all banks that have that state as their home state. These ratios replace those issued in May 2024….

FDIC: List of Banks Examined for CRA Compliance Issued

The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA).  The list covers evaluation ratings that the FDIC assigned to institutions in February 2025. The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting…

OCC: CRA Performance Evaluations for 25 National Banks and Federal Savings Associations Released

The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of April 1, 2025, through April 30, 2025. Under the CRA, the OCC assesses an institution’s record of meeting the credit needs of its entire community, including low- and…

ABA: Submissions Open for 13th Annual Community Commitment Awards

The American Bankers Association Foundation is now accepting submissions for its 13th annual Community Commitment Awards, ABA’s highest honors for extraordinary community engagement. Banks of all sizes are encouraged to enter their most successful community initiatives for the awards, which recognize innovative, high-impact bank programs that improve the quality of life for the communities they serve….

CFPB: Agency Will Not Prioritize Enforcement or Supervisory Actions of Section 1071 Small Business Lending Requirements

CFPB Keeps Its Enforcement and Supervision Resources Focused on Pressing Threats to Consumers The Consumer Financial Protection Bureau is announcing today that, with respect to the regulation titled Small Business Lending Under the Equal Credit Opportunity Act (Regulation B), implementing Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, 88 Fed. Reg….

OCC: Bulletin Issued to Update OCC Contact Information for Certain Community Reinvestment Act, Fair Housing Act, and Equal Credit Opportunity Act Notices and Posters

Summary This bulletin informs banks1 of the appropriate names and addresses for notices required by the Community Reinvestment Act (CRA) and Equal Credit Opportunity Act, and for posters required by the Fair Housing Act. Banks should make the appropriate changes to their notices and posters, if necessary, within 90 days of this bulletin’s date of issuance….

FDIC: List of Banks Examined for CRA Compliance Issued

The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in January 2025. The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the…

OCC: CRA Performance Evaluations Released for 18 National Banks and Federal Savings Associations

The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of March 1, 2025, through March 31, 2025. Under the CRA, the OCC assesses an institution’s record of meeting the credit needs of its entire community, including low- and…

CFPB: 2024 HMDA Data on Mortgage Lending Now Available

The Home Mortgage Disclosure Act (HMDA) Modified Loan Application Register (LAR) data for 2024 are now available on the Federal Financial Institutions Examination Council’s (FFIEC) HMDA Platform for approximately 4,898 HMDA filers. The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy. To increase public accessibility, the annual loan-level LAR data…

ICBA: ICBA Applauds Agencies for Proposing to Rescind Harmful CRA Rule

Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement on today’s announcement that the federal banking regulators intend to issue a proposal to rescind the Community Reinvestment Act final rule issued in October 2023 and reinstate the CRA framework that existed prior to that final rule, in light of pending…