Community Reinvestment Act Policy


$275.00

NOTE: In accordance with OCC Bulletin 2021-24 entitled “Community Reinvestment Act: Implementation of the June 2020 File Rule” dated 05/18/21, the OCC announced that is has determined that it will reconsider the June 2020 rule. While this reconsideration is ongoing, the OCC will not object to the suspension of the development of systems for, or other implementation of, provisions with a compliance date of January 1, 2023, or January 1, 2024, under the 2020 CRA rule. At this time, the OCC also does not plan to finalize the December 4, 2020, proposed rule that requested comment on an approach to determine the CRA evaluation measure benchmarks, retail lending distribution test thresholds, and community development minimums under the June 2020 rule. In addition, the OCC is discontinuing the CRA information collection pursuant to the Paperwork Reduction Act (PRA) notice published in the Federal Register in December 2020. As such, we will revise the OCC version(s) of this product accordingly when a final rule is issued based upon the outcome of the OCC’s reconsideration.

Table of Contents – FDIC/Federal Reserve Version

Purpose and Contents – Topic 1
Policy Statement – Topic 2
Structure of Accountability – Topic 3
Definitions – Topic 4
Performance Tests, Standards and Ratings – Topic 5
Small and Intermediate Small Bank Performance Standards – Topic 6
Strategic Plan Guidelines – Topic 7
Assigned Ratings – Topic 8
Effect of CRA Performance on Applications – Topic 9
Ratings Under Appendix A – Topic 10
Assessment Area Delineation – Topic 11
Data Collection, Reporting and Disclosure – Topic 12
CRA Public File and Notice – Topic 13
Disclosure and Reporting of CRA Related Agreements – Topic 14
Non-Discrimination Policy – Topic 15
Complaint Policy – Topic 16
CRA Branch Closure Policy – Topic 17
Charitable Contributions Policy – Topic 18
Staff Training – Topic 19
Retention of Documentation – Topic 20

Table of Contents - OCC Version 1

Purpose and Contents – Topic 1
Policy Statement - Topic 2
Structure of Accountability - Topic 3
Definitions - Topic 4
Performance Tests, Standards and Ratings - Topic 5
Small and Intermediate Small Bank Performance Standards - Topic 6
Strategic Plan Guidelines - Topic 7
Assigned Ratings - Topic 8
Effect of CRA Performance on Applications - Topic 9
Ratings Under Appendix A - Topic 10
Assessment Area Delineation - Topic 11
Data Collection, Reporting and Disclosure - Topic 12
Content and Availability of Public File - Topic 13
Prohibition Against Use of Interstate Branches Primarily for Deposit Production - Topic 14
Disclosure and Reporting of CRA Related Agreements - Topic 15
Discriminatory or Other Illegal Credit Practices - Topic 16
Audit Policy - Topic 17
Staff Training - Topic 18
Retention of Documentation - Topic 19

Table of Contents – OCC Version 2 (Future)

Purpose and Contents – Topic 1
Policy Statement - Topic 2
Structure of Accountability - Topic 3
Effect of CRA Performance on Applications - Topic 4
Definitions - Topic 5
Qualifying Activities Criteria - Topic 6
Qualifying Activities Confirmation and Illustrative List - Topic 7
CRA Desert Confirmation - Topic 8
Qualifying Activities Quantification - Topic 9
Qualifying Activities Value - Topic 10
Assessment Area - Topic 11
Performance Standards and Ratings - Topic 12
CRA Evaluation Measure - Topic 13
Retail Lending Distribution Tests - Topic 14
General Performance Standards and Presumptive Rating - Topic 15
Small and Intermediate Bank Performance Standards - Topic 16
Wholesale and Limited Purpose Bank Performance Standards - Topic 17
Consideration of Performance Context - Topic 18
Discriminatory and Other Illegal Credit Practices - Topic 19
Strategic Plan - Topic 20
Assigned Ratings - Topic 21
State/Multistate Metropolitan Statistical Area Assigned Rating - Topic 22
Data Collection, Recordkeeping, and Reporting - Topic 23
Ratings Under Appendix A - Topic 24
Audit Policy - Topic 25
Staff Training - Topic 26
Retention of Documentation - Topic 27

Recent updates to this product:
01/04/21 Update
07/01/20 Update
01/02/20 Update
01/02/19 Update


This policy template (approximately 50, 43 and 41 pages respectively) is in Microsoft® Word format.

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Add to Cart:

  • Model: POL-CRA
  • Manufactured by: Bank Policies


This product was added to our catalog on Wednesday 25 February, 2004.

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