PDF CRA 101: An introduction to the Community Reinvestment Act
An Introduction to the Community Reinvestment
Act
John Meeks Atlanta Region FDIC Community Affairs
What is the CRA?
CRA stands for:
The Community Reinvestment Act of 1977
revised in 1989, 1995, and 2005.
What is the purpose of the CRA?
To assure banks serve the convenience and needs of the communities in which they are doing business including providing credit and deposit services.
Said Another Way
Banks take deposits from everyone in their community and must also make loans and other services available to everyone in their community.
Redlining practices were a substantial reason CRA was enacted.
1937 Lending Security Map Philadelphia
For Home Owners Loan Corp program
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