February 2024

Community Reinvestment Act Rule Overhaul Finalized by U.S. Banking Regulators


The Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (FRB), and the Office of the Comptroller of the Currency (OCC) (the Agencies) have finalized an overhaul of the regulations implementing the Community Reinvestment Act (CRA) (the Final Rule).1 The Final Rule is the result of a coordinated interagency effort and drastically changes how all but the smallest banks will be evaluated for compliance with the CRA.

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