Community Reinvestment Act (CRA)

CRA: Building Blocks for Change
The Community Reinvestment Act can help lenders chart a different future for low-and moderate-income neighborhoods. Here are four examples.
The Community Reinvestment Act is approaching its first significant modernization in about a quarter century. Take a look back at the historical conditions that shaped it.
Grand Opening, Frogtown Square, 2011
Experience Investment Connection—from pitch to impact—with small business owners, community organizers, and bankers, and the Federal Reserve community development experts bringing them together.
Cheryl Thomas, founder of C's Daycare
Banks partner with a community non-profit to help a small business owner upgrade and expand her child care facility.
Aquatic Therapy of Chinatown, Philadelphia, PA
CDFI helps two business owners in Philadelphia's Chinatown find a lifeline, and a partner, right in their own backyard.
Goodwill TulsaWorks
From job training and industry-recognized skills certificates to job placement services and financial literacy education, get to know one program helping low- and moderate-income residents of Oklahoma and southwest Missouri enter the workforce.
Pine Ridge Reservation
"In our 35 years extending credit to Native communities, not once has a bank invested in our work. Instead, we’ve relied on CDFI Fund grants, foundations, and philanthropic investors," says Tawney Brunsch, executive director of Native CDFI Lakota Funds.
Young adults from The C.O.F.F.E.E. Project build a composting system
“Our lending partners have made huge financial commitments to increase minority homeownership.” Carrie Davis of Wealth Watchers shares how the Community Reinvestment Act has helped banks meet the needs of communities.
Black women in wheelchair using laptop
Could CRA modernization drive more inclusive community development for individuals with disabilities, especially those at the intersection of race or ethnicity?
Bridging Change with CRA
Federal Reserve Governor Lael Brainard shares her views on why it's the right time to modernize the Community Reinvestment Act.