June 2018

Community Reinvestment Act Examination Procedures

This publication is a part of:

Collection: Comptroller’s Handbook

Series: Consumer Compliance

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