The Community Reinvestment Act (CRA) – An Overview for Small and Intermediate Small Banks – ON-DEMAND WEBINARS


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SKU: SWCRA Category:

Date Recorded: August 12, 2021

Presenter: Anetria Cohen, Vice President and Senior Consultant, FORVIS

A two-hour webinar that outlines the requirements applicable to Small and Intermediate Small Banks (for FDIC and Federal Reserve institutions, and OCC institutions under the “old” rules).

The Community Reinvestment Act encourages depository institutions to help meet the credit needs of the entire communities in which they operate, including low and moderate-income neighborhoods, as well as distressed, underserved, and designated disaster areas. Intermediate small institutions are also required to ensure they lend in ways to develop their communities (community development loans).

This webinar will focus on the requirements that Small Banks and Intermediate Small Banks have under the CRA rules, including applicable Questions and Answers issued by the regulatory agencies that seek to explain vague rules and that provide helpful examples.

These rules are applicable for institutions regulated by the Federal Deposit Insurance Corporation and the Federal Reserve, as well as institutions regulated Office of the Comptroller of the Currency’s (OCC) who comply with the regulations in effect prior to October 1, 2020 (compliance with the “new” rules are mandatory as of January 1, 2024).


  • What determines whether you are a small bank or intermediate small bank?
  • How the bank’s assessment area is defined and assessment area limitations.
  • Important definitions, including the definition of “community development.”
  • What is a community development loan, investment, or service?
  • How the bank is evaluated and rated under the small bank test and the intermediate small bank test.
  • How discriminatory or other illegal credit practices can impact a bank’s CRA rating.
  • The required content of the CRA public file.
  • The CRA notice requirements.
  • How CRA is enforced.
  • Interagency questions and answers.
Who Should Listen

Appropriate staff to attend would include CRA officers, loan department management, compliance officers, and other involved in the bank’s CRA program.

Program Level: Basic

Prerequisite/Advanced Preparation: Basic Knowledge of Lending Regulations

Field of Study: Specialized Knowledge

Copyright Disclaimer

Any recording, transmission, retransmission, or republishing of any portion of this webinar is prohibited.