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Community Reinvestment Act (CRA)

Since it was passed in 1977, the Community Reinvestment Act (CRA) has helped infuse trillions of dollars in community reinvestment dollars into minority and lower income neighborhoods. But, despite the benefits of CRA, recent changes will decrease its effectiveness and result in fewer loans and investments in low-income and minority communities. Instead, CRA needs to …

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Community Reinvestment Act Organizing

The Community Reinvestment Act (CRA) is a law that requires banks to serve the credit needs of communities where they are chartered, including low- and moderate-income communities. The law promotes neighborhood revitalization and equity building by creating access to responsible homeownership opportunities, basic banking services and capital for small businesses. The CRA also calls on …

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A Brief Description of CRA

Passed by Congress in 1977, the Community Reinvestment Act (CRA) states that “regulated financial institutions have continuing and affirmative obligations to help meet the credit needs of the local communities in which they are chartered.” The act then establishes a regulatory regime for monitoring the level of lending, investments, and services in low- and moderate-income …

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The CRA Small Business Data

In the early years of CRA, community activists, lenders, and regulators focused on home lending activity. This was partly because HMDA data was available and because neighborhood organizing usually started with the issues of housing, crime prevention, and other community empowerment endeavors. As CRA enforcement and activism evolved over the years, the importance of small …

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NCRC Comments on CRA Exam

NCRC Organizes Community Groups to Protest Venture Bank’s Payday Lending NCRC Comments on Staten Island NCRC Comments on NetBank’s CRA Strategic Plan NCRC Organizes Community Groups to Protest Venture Bank’s Payday Lending The National Community Reinvestment Coalition (NCRC), the Consumer Federation of American (CFA), the Community Reinvestment Association of North Carolina (CRA*NC) and 65 other …

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CRA Manual

The Community Reinvestment Act (CRA) is a remarkable law. Not only does it prohibit discrimination against working class and minority neighborhoods, it also imposes an affirmative obligation on banks to serve these communities. It is not good enough for a bank to establish branches and passively wait for customers to walk into branches. Instead, banks …

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Over 500 Attend NCRC 2008 National Conference

   NCRC’s 2008 Conference From March 12-15 2008 in Washington, over 500 people joined NCRC at our annual conference: Creating the Vision for a Fair Economy: Investing in People and Communities” . Community leaders, lawmakers, regulators, civil rights leaders, bankers, the media, housing groups, faith-based organizations, business development organizations and representatives from the “environmental justice” …

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Support NCRC

Thank you for your interest in donating to the National Community Reinvestment Coalition. As a not-for-profit organization we rely on support from our members, sponsorships, grant makers and donations. Your support will help NCRC achieve long term solutions that provide resources, knowledge and skills to build communities across the U.S. Your tax-deductible contribution supports NCRC …

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