• Encourage banks to expand access to credit, investment, and banking services in LMI communities.
• Adapt to changes in the banking industry, including internet and mobile banking.
• Provide greater clarity and consistency in the application of the CRA regulations.
• Tailor CRA evaluations and data collection to bank size and type.

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You must build a strong CRA program that complies with the updated regulations while fulfilling supporting low- and moderate-income (LMI) neighborhoods. The FDIC, FRB, OTS, and OCC take these responsibilities very seriously, using CRA Ratings and Performance Evaluations to ensure compliance.

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To help you maintain or improve your institution’s rating and support your community, we are offering a series of three information-packed webinars:

CRA Rating Bootcamp

Webinar 1: CRA: Community Development Activities

• Quality community development activities
• Evaluation of community development activities
• Different evaluations based on bank size
• Break down of each community development hook
• How to provide context to your institution’s community development activities
• Documentation best practices

Webinar 2: CRA: Transition From Small to ISB or ISB to Large Bank Test

• How to prepare for a transition from a small bank to an ISB
• How to prepare for a transition from an ISB to a large bank
• Importance of a CRA strategy and goals
• Importance of creating a CRA program
• Importance of monitoring lending levels and trends
• Creation of a self-assessment

Webinar 3: How to Build a Strong CRA Program

• What should be included in your institution’s CRA program
• Why creating a committee is necessary
• Why understanding the strategic plan is important
• What you should include in your monitoring program
• How you should analyze your CRA applicable data
• How to leverage existing practices

• Bank chief executives
• Executive directors
• Board members
• CRA officers
• Community development officers
• CRA staff
• Compliance staff
• Financial staff
• Communications professionals
• Risk officers
• Auditors