Proposed Changes to the Community Reinvestment Act: How They Might Impact Your Organization


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Complying with the Community Reinvestment Act (CRA) is crucial to the long-term success of banks.

A bank that fails to achieve at least a satisfactory CRA rating won’t be able to expand its branches or merge with or acquire other banks, and its reputation with the public may be negatively impacted.

In May of 2022, a joint notice of proposed rulemaking was announced to strengthen the mission of the CRA. BAI has reviewed the announcement and compiled a list of the proposed changes that could be made to the CRA including:

  • General requirements
  • New bank-size designations
  • Specific changes for each size category
  • Additional testing criteria


To learn about all the proposed changes and how they can affect your business, download “Proposed Changes to the Community Reinvestment Act: How They Might Impact Your Organization” today.