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Community Reinvestment Act

The Federal Reserve Bank of New York evaluates banks' records of meeting the credit needs of communities—including low- and moderate-income neighborhoods—as set forth in the Community Reinvestment Act (CRA). A bank's record of meeting the credit needs of its community is taken into account when we consider an application to expand, merge or acquire another institution.

Features

Community Reinvestment: Does Your Bank Measure Up? Learn about the Congressional Act enacted in 1977 to encourage insured banks and other depository institutions to help meet the credit needs of their communities.

Recent Ratings and Evaluations Performance ratings and evaluations made public to date.

What Do CRA Ratings Mean? "Outstanding," "Satisfactory," "Needs to improve" or "Substantial noncompliance": The key to these four ratings.