Community Reinvestment Act

An Introduction to the Community Reinvestment Act

The Community Reinvestment Act (CRA), enacted by Congress in 1977, has served as a pillar of community development by ensuring that depository banking institutions provide capital and financial services to low-income communities in which they operate. The Federal Reserve Bank of San Francisco is committed to facilitating the availability of financial services and capital, consistent with safe and sound practices, by banks through training, roundtable convenings, and collaboration with community investment partners that maximizes impact in low-income communities. Working not only with banks, but with the network of community development stakeholders, we also seek to advance innovations in the application of the CRA that is adaptive to the evolving nature of banking and the community development field.


Community Development Data Guidebook (pdf, 880 kb)

CRA Collaboratives and the San Joaquin Valley
Working Paper 2013-06 (November 2013)

International Community Development
Community Development Investment Review, Volume 7, Issue 1

The Community Reinvestment Act and Small Business Lending in Low- and Moderate-Income Neighborhoods during the Financial Crisis
Working Paper, 2010-05 (October 2010)

Understanding Community Development Needs through the CRA Performance Context
Working Paper, 2014-02 (December 2014)


Federal Financial Institutions Examination Council is a formal interagency body empowered to prescribe uniform principles, standards, and report forms for the federal examination of financial institutions by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau, and to make recommendations to promote uniformity in the supervision of financial institutions. The website provides detailed information about the regulation and its interpretation and information on CRA examinations, including annually updated lists of distressed or underserved nonmetropolitan middle-income geographies.

Consumer Affairs Letters from the Board of Governors of the Federal Reserve System address significant policy and procedural matters related to the Federal Reserve System’s consumer compliance supervisory responsibilities.

A Banker’s Quick Reference Guide to the CRA is a guide to the CRA regulation and examination procedures.
(Federal Reserve Bank of Dallas, September 2005)

CRA Loan Data Collection Grid is a quick guide for identifying CRA loan data reporting categories.
(Federal Reserve Bank of Dallas, September 2006)

Does your Bank Measure Up? This website is intended to help you understand how the Community Reinvestment Act affects the way your financial institution serves your community.
(Federal Reserve Bank of Atlanta) is a web portal to community development resources from all 12 Federal Reserve Banks and the Board of Governors. Through a single web gateway, users can access hundreds of Fed materials that address barriers to economic growth and promote fair and informed access to financial markets.