Community Reinvestment Act Examination Procedures

Overview

This booklet explains that an institution's capacity to help meet community credit needs is influenced by many factors, including its financial condition and size, resource constraints, legal impediments, and local economic conditions that could affect the demand and supply of credit. Examiners consider these factors when evaluating an institution's performance under the Community Reinvestment Act.

Applicability

This booklet applies to the OCC's supervision of national banks subject to the Community Reinvestment Act. For information applicable to federal savings associations, refer to former Office of Thrift Supervision Examination Handbook section 1500, "Community Reinvestment Act."

Supplemental Procedures and Other Information

• OCC Bulletin 2018-17, Supervisory Policy and Processes for Community Reinvestment Act Performance Evaluations
• OCC Bulletin 2014-16, Community Reinvestment Act: Interagency Community Reinvestment Act Examination Procedures for Large Institutions
• OCC Bulletin 2006-17, Community Reinvestment Act: Interagency Examination Procedures for Large, Small, Wholesale/Limited Purpose, and Strategic Plan Institutions
• OCC Bulletin 2005-29, Community Reinvestment Act: Interagency Examination Procedures