Interagency Q&As Regarding Community Reinvestment Summary

Updated 02/28/2017

The Office of the Comptroller of the Currency (OCC), the Federal Reserve Board, and the Federal Deposit Insurance Corporation (FDIC) have issued revised questions and answers on the Community Reinvestment Act (CRA). In their final guidance, the agencies clarified nine of the 10 proposed Q&As. The changes focus on alternative delivery of retail banking services, innovative or flexible lending practices, qualified investments and community development. This summary provides an overview of the CRA questions and answers that went into effect on July 25, 2016.

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