Community Reinvestment Act Examination Procedures

OCC Comptrollers Handbook

Published June 1st, 2018

Detected March 18th, 2026

Summary

The Office of the Comptroller of the Currency (OCC) has updated its Comptroller's Handbook booklet on Community Reinvestment Act (CRA) Examination Procedures. This guidance outlines how examiners evaluate a national bank's performance in meeting community credit needs, considering factors like financial condition, size, and local economic conditions.

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What changed

This document is an updated Comptroller's Handbook booklet detailing the examination procedures and evaluation criteria for the Community Reinvestment Act (CRA) as applied by the OCC to national banks. It explains that examiners consider various factors, including an institution's financial condition, size, resource constraints, legal impediments, and local economic conditions, when assessing performance in meeting community credit needs.

While this document itself is guidance for examiners, it informs national banks about the framework used for CRA evaluations. Banks should ensure their CRA programs and data collection align with the factors and procedures described, as these influence supervisory assessments. The document also references supplemental bulletins for specific supervisory policies and interagency procedures.

What to do next

Review the updated Comptroller's Handbook booklet on CRA Examination Procedures.
Ensure internal CRA data collection and program alignment with OCC evaluation factors.
Consult referenced OCC Bulletins for specific supervisory policies and interagency procedures.

Source document (simplified)

June 2018

Community Reinvestment Act Examination Procedures

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This publication is part of:

Collection: Comptroller's Handbook

Series: Consumer Compliance

Transmittal

Community Reinvestment Act Examination Procedures Cover Letter (PDF)

Overview

This booklet explains that an institution's capacity to help meet community credit needs is influenced by many factors, including its financial condition and size, resource constraints, legal impediments, and local economic conditions that could affect the demand and supply of credit. Examiners consider these factors when evaluating an institution's performance under the Community Reinvestment Act.

Applicability

This booklet applies to the OCC's supervision of national banks subject to the Community Reinvestment Act. For information applicable to federal savings associations, refer to former Office of Thrift Supervision Examination Handbook section 1500, " Community Reinvestment Act."