Community Reinvestment Act and Financial Inclusion


This practice note provides an overview of legal, regulatory, and supervisory examination requirements for commercial banks and savings associations under the Community Reinvestment Act of 1977 (CRA), 12 U.S.C. §§ 2901–2906. This note also addresses related guidance issued by the Office of the Comptroller of the Currency (OCC) regarding financial inclusion standards applicable to financial technology (Fintech) firms seeking to become special purpose national banks.