Community Reinvestment Act (CRA)
Resources
Note: The information and resources provided below are not inclusive of any updates outlined in the CRA Final Rule issued on October 24, 2023. For more information on the final rule and compliance dates, please see CRA Final Rule.
Quick References
- Federal Reserve Bank of Dallas' A Banker's Quick Reference Guide to CRA (PDF)
- Federal Reserve Bank of Dallas' CRA Loan Data Collection Grid
- CRA Examination Procedures
- CRA Questions and Answers (Q&A's)
- Regulation BB
- The Community Reinvestment Act (statute) (PDF)
- CRA and the Applications Process
Data Sources
- The National Information Center (NIC)
- FDIC Bank Find
- FFIEC CRA Small Business, Small Farm, and Community Development Data
- FFIEC HMDA Data
- FFIEC Census Data
Other Federal Banking Agencies with CRA Oversight
Federal Financial Institutions Examination Council
Key Terms & Definitions
Federal banking regulators: The federal banking regulators refers to the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC). The Federal Reserve regulates state-chartered banks that have applied for and been accepted to be part of the Federal Reserve System (called state member banks); the FDIC regulates state-chartered banks that are not members of the Federal Reserve System, and the OCC regulates national banks and thrifts.
Low-income: Individual income that is less than 50 percent of the area median income, or a median family income that is less than 50 percent, in the case of a geography.
Low- and moderate-income: Under the CRA, the term low- and moderate-income refers to communities that in certain geographies that have income levels that fall between certain ranges, as determined by the Census Bureau. A low-income community means there is a median family income of less than 50 percent of the area median income. A moderate-income community means that the median family income is at least 50 percent and less than 80 percent of the area median income.
Middle-income: Individual income that is at least 80 percent and less than 120 percent of the area median income, or a median family income that is at least 80 percent and less than 120 percent, in the case of a geography.
Moderate-income: Individual income that is at least 50 percent and less than 80 percent of the area median income, or a median family income that is at least 50 percent and less than 80 percent, in the case of a geography.
Multistate metropolitan statistical area (MSA): An MSA is a core area containing at least one urbanized area of 50,000 or more inhabitants, together with adjacent communities having a high degree of economic and social integration with that core.
Upper-income: Individual income that is 120 percent or more of the area median income, or a median family income that is 120 percent or more, in the case of a geography.
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Last Update: July 20, 2023
