RegulatoryBackground (PDF)

List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies:

The following "Interagency Questions and Answers Regarding Community Reinvestment" (Questions and Answers) were released by the staffs of the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, and Office of the Comptroller of the Currency (the Agencies) on July 15, 2016, to provide guidance to financial institutions and the public. These Questions and Answers consolidate and supersede all previously published "Interagency Questions and Answers Regarding Community Reinvestment".

The Community Reinvestment Act (CRA), enacted by Congress in 1977 (12 U.S.C. 2901) and implemented by Regulations 12 CFR parts 25, 228, 345, and 195, is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations. 

Federal Bank Regulatory Agencies Release 2023 Small Business, Small Farm, and Community Development Lending Data

Cybersecurity Assessment Tool Sunset 

Financial Regulators Update Examiner Guidance on Financial Institutions’ Information Technology Development, Acquisition, and Maintenance

Agencies Release List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies

Explore Training for Federal and State Examiners