{"id":140111,"date":"2023-07-19T14:09:44","date_gmt":"2023-07-19T18:09:44","guid":{"rendered":"https:\/\/ncrc.org\/?page_id=140111"},"modified":"2026-07-31T11:36:53","modified_gmt":"2026-07-31T15:36:53","slug":"cba","status":"publish","type":"page","link":"https:\/\/ncrc.org\/cba\/","title":{"rendered":"Community Benefits Agreements"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"140111\" class=\"elementor elementor-140111\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98f3ec2 e-flex e-con-boxed e-con e-parent\" data-id=\"98f3ec2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;9925bff&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccee749 elementor-widget elementor-widget-heading\" data-id=\"ccee749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-small\">Community Benefits Agreements<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5b16b9 elementor-widget elementor-widget-text-editor\" data-id=\"f5b16b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementToProof\">How Banks Ensure They Meet Local Needs<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-021c405 e-con-full e-flex e-con e-parent\" data-id=\"021c405\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;703c909&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97fe032 elementor-widget elementor-widget-text-editor\" data-id=\"97fe032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cover image: AndriiKoval-stock.adobe.com<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b361542 e-con-full e-flex e-con e-parent\" data-id=\"b361542\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf10046 e-flex e-con-boxed e-con e-parent\" data-id=\"bf10046\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ba3c220 e-con-full e-flex e-con e-child\" data-id=\"ba3c220\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2311e6f elementor-widget elementor-widget-heading\" data-id=\"2311e6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Keep Up<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eea06f1 elementor-widget elementor-widget-text-editor\" data-id=\"eea06f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tGet NCRC news and <br>alerts by email.<\/br>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-275b0c0 e-con-full e-flex e-con e-child\" data-id=\"275b0c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5f42ad elementor-widget elementor-widget-html\" data-id=\"c5f42ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script>\n<script>\n  hbspt.forms.create({\n    region: \"na1\",\n    portalId: \"22325826\",\n    formId: \"38ff3e48-e6b5-461d-938c-365275aa6273\"\n  });\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a36ae64 e-flex e-con-boxed e-con e-parent\" data-id=\"a36ae64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;856c90b&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6db114b elementor-widget elementor-widget-text-editor\" data-id=\"6db114b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementToProof\"><p style=\"font-weight: 400;\">The\u00a0<a href=\"http:\/\/www.ncrc.org\/treasurecra\">Community Reinvestment Act\u00a0<\/a>(CRA) requires banks to meet the credit needs of the communities where they take deposits, including low- and moderate income (LMI) neighborhoods.<\/p><p style=\"font-weight: 400;\">Community benefits agreements (CBAs) are a way for banks to spell out how they will satisfy CRA requirements. CBAs open doors for LMI communities and communities of color, and they increase lending, investments and philanthropy for underserved borrowers and neighborhoods compared to prior practices.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32e08ea e-flex e-con-boxed e-con e-parent\" data-id=\"32e08ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;74fbb4f&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45643cf elementor-widget elementor-widget-text-editor\" data-id=\"45643cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-olk-copy-source=\"MessageBody\">CBAs are between banks and community groups.\u00a0<\/span>Since 2016, the National Community Reinvestment Coalition (NCRC) has facilitated the creation of CBAs with\u00a0<strong>22 bank groups<\/strong>\u00a0worth a combined\u00a0<strong>$687.96 billion<\/strong>\u00a0\u00a0for mortgage, small business and community development lending, investments and philanthropy in LMI and under-resourced communities.<\/p><p>Learn more about how NCRC facilitates the creation and performance monitoring of CBAs <a href=\"https:\/\/ncrc.org\/explainer-how-ncrc-brings-banks-and-local-leaders-together-for-community-benefits-agreements\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0b26d8 elementor-widget elementor-widget-heading\" data-id=\"c0b26d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CBAs completed with NCRC:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b34168 elementor-widget elementor-widget-text-editor\" data-id=\"7b34168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>(<em>Updated May 2026<\/em>)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a800c29 elementor-widget elementor-widget-text-editor\" data-id=\"a800c29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\"><a href=\"https:\/\/ncrc.org\/ncrc-and-umb-financial-corporation-announce-multibillion-dollar-community-benefits-plan\/\">UMB Bank<\/a>\u00a0in September 2025 for $5 billion<\/p><p style=\"font-weight: 400;\"><a href=\"https:\/\/ncrc.org\/national-community-reinvestment-coalition-and-atlantic-union-bank-announce-enhanced-community-impact-plan-to-support-underserved-communities\/\">Atlantic Union Bank<\/a>\u00a0in September 2025 for $2.2 billion of planned new commitments in addition to the amount originally announced as part of\u00a0<a href=\"https:\/\/www.atlanticunionbank.com\/bank-better\/october-2024\/atlantic-union-bank-to-acquire-sandy-spring-bank\" target=\"_blank\" rel=\"noopener\">Atlantic Union\u00a0Bankshares\u00a0Corporation\u2019s acquisition of Sandy Spring Bancorp, Inc.<\/a><\/p><p><a href=\"https:\/\/ncrc.org\/ncrc-and-southstate-bank-announce-8-3-billion-plan-to-support-underserved-communities\/\">SouthState Bank<\/a> in March 2025 for $8.3 billion.<\/p><p><a href=\"https:\/\/ncrc.org\/ncrc-announces-40-billion-community-benefits-plan-with-bmo-harris-bank\/\">BMO Harris Bank<\/a> in November 2022 for more than $40 billion.<\/p><p><a href=\"https:\/\/ncrc.org\/ncrc-columbia-bank-and-umpqua-bank-complete-8-1-billion-community-benefits-plan-to-advance-economic-opportunity-for-underserved-communities\/\">Umpqua<\/a> in May 2022 for $8.1 billion.<\/p><ul><li>(<a href=\"https:\/\/ncrc.org\/ncrc-and-rise-economy-announce-2-5-billion-expansion-of-columbia-banks-community-benefits-agreement-to-support-california-communities\/\"><span class=\"s2\">Columbia Bank<\/span><\/a>\u00a0expanded in December 2025 to $2.5 billion)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/u-s-bancorp-ncrc-crc-announce-100-billion-community-benefits-plan\/\">US Bank<\/a> in May 2022 for more than $100 billion.<\/p><p><a href=\"https:\/\/ncrc.org\/ncrc-and-old-national-announce-8-3-billion-community-benefits-agreement-to-strengthen-small-businesses-and-minority-underserved-communities\/\">Old National Bancorp<\/a> in February 2022 for $11.1 billion.<\/p><ul><li>($1.2 billion addendum in <a href=\"https:\/\/ncrc.org\/ncrc-old-national-announce-1-2-billion-addendum-to-increase-community-growth-plan-to-9-5-billion\/\">January 2024.<\/a>)<\/li><li>($1.6 billion addendum in <a href=\"https:\/\/ncrc.org\/ncrc-and-old-national-bancorp-announce-addendum-to-increase-community-growth-plan-to-11-1-billion\/\">June 2025<\/a>.)<\/li><\/ul><p>Flagstar Bank (f\/k\/a <a href=\"https:\/\/ncrc.org\/ncrc-and-new-york-community-bancorp-announce-28-billion-community-pledge-agreement-to-support-communities-of-color-small-businesses-and-ongoing-commitment-to-responsible-multi-family-lending\/\">New York Community Bancorp<\/a>) in January 2022 for $28 billion.<\/p><p><a href=\"https:\/\/ncrc.org\/ncrc-and-mt-bank-announce-43-billion-community-growth-plan-to-support-underserved-and-communities-of-color-small-businesses\/\">M&amp;T Bank<\/a> in October 2021 for $43 billion.<\/p><p><a href=\"https:\/\/ncrc.org\/pnc-bank-ncrc-announce-88-billion-community-investment-commitment\/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=pnc-bank-ncrc-announce-88-billion-community-investment-commitment\">PNC Bank<\/a> in April 2021 for $88 billion.<\/p><p><a href=\"https:\/\/ncrc.org\/first-citizens-bank-announces-16-billion-community-benefits-plan\/\">First Citizens Bank<\/a> in February 2021 for $16 billion.<\/p><ul><li>(Expanded in <a href=\"https:\/\/ncrc.org\/ncrc-and-first-citizens-announce-6-5b-expansion-of-community-commitments-in-california-and-massachusetts\/\">November 2023<\/a> to $22.5 billion.)<\/li><li><a href=\"https:\/\/ncrc.org\/california-reinvestment-coalition-national-community-reinvestment-coalition-and-cit-announce-7-75-billion-community-benefits-plan\/\">CIT Group<\/a> in November 2019 for $7.75 billion. (Acquired by First Citizens Bank in 2022)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/ncrc-morgan-stanley-announce-15-billion-plan-to-increase-lending-and-investments-in-lower-income-communities\/\">Morgan Stanley<\/a> in September 2020 for $15 billion.<\/p><p><a href=\"https:\/\/ncrc.org\/ncrc-first-merchants-bank-announce-1-4-billion-community-benefits-plan\/\">First Merchants Bank<\/a> in June 2020 for $1.4 billion.<\/p><ul><li>(Expanded in <a href=\"https:\/\/ncrc.org\/ncrc-announces-expanded-community-benefits-agreement-with-first-merchants-bank\/\">November 2022<\/a> to $2 billion.)<\/li><li>(Renewed in\u00a0<a title=\"https:\/\/ncrc.org\/ncrc-and-first-merchants-bank-announce-new-2-billion-community-benefits-agreement-to-expand-impact-across-the-midwest\/\" href=\"https:\/\/ncrc.org\/ncrc-and-first-merchants-bank-announce-new-2-billion-community-benefits-agreement-to-expand-impact-across-the-midwest\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"2\">June 2026<\/a>\u00a0for an additional $2 billion)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/bbt-suntrust-and-ncrc-announce-60-billion-community-investment-commitment-for-new-truist-bank\/\">Truist<\/a> in July 2019 for $60 billion.<\/p><p><a href=\"https:\/\/cadencebank.com\/about\/news-and-stories\" target=\"_blank\" rel=\"noopener\">Cadence Bank<\/a> in June 2019 for $2.5 billion.<\/p><ul><li>(Expanded in <a href=\"https:\/\/ncrc.org\/ncrc-and-cadence-bank-announce-20-7-billion-community-benefits-plan\/\">February 2022<\/a> to $23.2 billion.)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/wells-fargo-pledges-1-6-billion-in-lending-and-philanthropy-to-help-revitalize-washington-d-c-neighborhoods\/\">Wells Fargo &amp; Company (DC)<\/a> in October 2018 for $1.6 billion.<\/p><p>First Horizon Bank (f\/k\/a <a href=\"https:\/\/ncrc.org\/first-tennessee-and-ncrc-announce-a-3-95-billion-commitment-to-community-development\/\">First Tennessee Bank<\/a>) in April 2018 for $4 billion.<\/p><ul><li><a href=\"https:\/\/ncrc.org\/community-leaders-celebrate-6-72-billion-commitment-community-development\/\">IBERIABANK<\/a> in November 2017 for $6.7 billion. (Acquired by First Horizon Bank in 2020)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/santander-announces-inclusive-communities-plan-new-11-billion-five-year-community-commitment\/\">Santander Bank<\/a> in November 2017 for $11 billion.<\/p><ul><li>(Renewed in <a href=\"https:\/\/ncrc.org\/ncrc-and-santander-us-unveil-new-community-plan\/\">June 2023<\/a> for an additional $4.6 billion.)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/community-organizations-celebrate-first-financials-1-75-billion-community-development-plan\/\">First Financial Bank<\/a> in October 2017 for $1.7 billion.<\/p><ul><li>(Renewed in <a href=\"https:\/\/ncrc.org\/ncrc-and-first-financial-bank-announce-2-4-billion-community-benefits-agreement\/\">January 2024<\/a> for an additional $2.4 billion.)<\/li><li><span data-olk-copy-source=\"MessageBody\">(Expanded in\u00a0<\/span><a id=\"anchor-a791a4cd-fa85-04c7-a8b2-e5291de0856b\" title=\"https:\/\/ncrc.org\/ncrc-and-first-financial-bank-announce-170-million-in-community-development-goals-for-chicago-and-northeast-ohio\/\" href=\"https:\/\/ncrc.org\/ncrc-and-first-financial-bank-announce-170-million-in-community-development-goals-for-chicago-and-northeast-ohio\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"2\">May\u00a02026\u00a0<\/a>for an additional $170 million.)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/fifth-third-bank-and-national-community-reinvestment-coalition-announce-30-billion-community-development-plan\/\">Fifth Third Bank<\/a> in November 2016 for $30 billion.<\/p><ul><li>(Expanded in <a href=\"https:\/\/ncrc.org\/american-banker-fifth-third-ups-cra-pledge-by-2-billion-amid-chicago-expansion\/\">October 2018<\/a> to $32 billion.)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/huntington-bank-and-national-community-reinvestment-coalition-announce-161-billion-community-development-plan\/\">Huntington Bancshares<\/a> in May 2016 for $16.1 billion.<\/p><ul><li>(Expanded in <a href=\"https:\/\/www.huntington.com\/About-Us\/Media-Center\/huntington-in-news\/2020-releases\/2020-09-01?cmpid=osc%3Asocial_media_cmp%3A_%3Afbpage&amp;sc_camp=C39D00094F9E43B6A6C50772879BD8D3&amp;spacer=0\" target=\"_blank\" rel=\"noopener\">September 2020<\/a> to $36.1 billion.)<\/li><li>(Expanded in <a href=\"https:\/\/ncrc.org\/huntington-ncrc-announce-40-billion-expanded-community-benefits-plan\/\">June 2021<\/a> to $76.8 billion.)<\/li><li><span data-olk-copy-source=\"MessageBody\">(Renewed in\u00a0<\/span><a title=\"https:\/\/ncrc.org\/ncrc-and-huntington-bank-announce-80-billion-community-plan-to-support-affordable-housing-small-businesses-and-local-communities\/\" href=\"https:\/\/ncrc.org\/ncrc-and-huntington-bank-announce-80-billion-community-plan-to-support-affordable-housing-small-businesses-and-local-communities\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"4\">July 2026<\/a>\u00a0for an additional $80 billion)<\/li><\/ul><p><a href=\"https:\/\/ncrc.org\/ncrc-and-keybank-announce-landmark-165-billion-community-benefits-agreement\/\">KeyBank<\/a> in March 2016 for $16.5 billion.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f2c08d e-flex e-con-boxed e-con e-parent\" data-id=\"7f2c08d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e97d8d1 elementor-widget elementor-widget-heading\" data-id=\"e97d8d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4890735 elementor-widget elementor-widget-toggle\" data-id=\"4890735\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7601\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7601\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How are CBAs structured?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7601\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7601\"><ul><li style=\"font-weight: 400;\">More than half of the money referenced in NCRC CBAs is for direct lending. Banks agree to increases in mortgage lending and small business lending, with an emphasis on addressing racial inequity in lending.<\/li><li style=\"font-weight: 400;\">A smaller portion of existing CBAs focus on increases in community development loans and investments. Investments differ in each CBA but involve CRA approved activities like affordable housing and tax credits.<\/li><li style=\"font-weight: 400;\">Finally, there are sections of a CBA that often involve commitments from the bank for new branches, increased supplier and staff diversity, CRA-approved philanthropy, and initiatives like age-friendly banking and rural strategies.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7602\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7602\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is the timeframe of a CBA?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7602\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7602\"><p>Planning, meetings, and drafting a CBA usually takes about 4-5 months but can be shorter or longer. The resulting CBA typically covers a five-year period.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7603\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7603\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How does NCRC decide which banks to work with?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7603\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7603\"><ul><li style=\"font-weight: 400;\">An upcoming bank merger or acquisition is a chance for a bank to work with NCRC on a CBA, because banks are required to show that the merger will create a public benefit. NCRC&#8217;s CBA process gives community groups an opportunity to weigh in on how banks should be serving their communities.<\/li><li style=\"font-weight: 400;\">A bank could also be motivated to start a CBA process if it has failed a CRA exam and not met its responsibilities as outlined by the CRA. NCRC&#8217;s research team analyzes bank lending patterns to better understand if banks are failing to fulfill their obligations in local markets.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7604\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7604\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How can NCRC Members get involved?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7604\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7604\"><p>All current NCRC members are invited to &#8220;opt-in&#8221; and agree to comply with Ground Rules before participating in a CBA process. The process will then include meetings with NCRC members and community groups affected by the CBA campaign and potentially the opportunity to join and speak at meetings with bank leadership to discuss priorities for a CBA.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7605\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-7605\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What types of organizations should participate in the CBA process?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7605\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-7605\"><p>All types of organizations have a place in the CBA process. CRA approved activities cover a wide spectrum. NCRC&#8217;s negotiations with financial institutions have expanded the types of community investments banks are willing to include in a CBA. A strong mix of community groups and organizations is critical for securing additional investments from banks and creating a Just Economy.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fac18d9 e-flex e-con-boxed e-con e-parent\" data-id=\"fac18d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2f1a1 elementor-widget elementor-widget-heading\" data-id=\"5f2f1a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">In the News<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4beefdd elementor-posts__hover-none elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-posts--show-avatar elementor-card-shadow-yes elementor-widget elementor-widget-posts\" data-id=\"4beefdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;pagination_type&quot;:&quot;prev_next&quot;,&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-266075 post type-post status-publish format-standard has-post-thumbnail hentry category-press category-views tag-affordable-housing tag-cac tag-cba tag-cba-news tag-cbp tag-community-advisory-councils tag-community-development tag-community-engagement tag-community-reinvestment tag-community-reinvestment-act tag-cra tag-economic-development tag-fair-banking tag-feature tag-featured tag-first-citizens-bank tag-lmi-communities tag-relationships tag-small-business-development tag-southstate-bank tag-underserved-communities\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ncrc.org\/ncrc-and-its-members-leverage-the-community-advisory-councils-model-to-strengthen-underserved-communities\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"430\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2025\/10\/SouthStateBank-CBA-pic-1024x430.jpg\" class=\"attachment-large size-large wp-image-266090\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2025\/10\/SouthStateBank-CBA-pic-1024x430.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/10\/SouthStateBank-CBA-pic-300x126.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/10\/SouthStateBank-CBA-pic-768x322.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/10\/SouthStateBank-CBA-pic-1536x644.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/10\/SouthStateBank-CBA-pic-2048x859.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Nicole Rothstein' src='https:\/\/secure.gravatar.com\/avatar\/?s=128&#038;d=blank&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/?s=256&#038;d=blank&#038;r=g 2x' class='avatar avatar-128 photo avatar-default' height='128' width='128' \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/ncrc-and-its-members-leverage-the-community-advisory-councils-model-to-strengthen-underserved-communities\/\">\n\t\t\t\tNCRC and its Members Leverage the Community Advisory Councils Model to Strengthen Underserved Communities\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-262508 post type-post status-publish format-standard hentry category-pr tag-cba-2 tag-cba tag-cba-news tag-community-benefits-agreements tag-featured\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/ncrc-and-umb-financial-corporation-announce-multibillion-dollar-community-benefits-plan\/\">\n\t\t\t\tNCRC and UMB Financial Corporation Announce Multibillion-dollar Community Benefits Plan\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-262986 post type-post status-publish format-standard has-post-thumbnail hentry category-pr tag-cba tag-cba-news tag-community-benefits-agreement tag-featured\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ncrc.org\/national-community-reinvestment-coalition-and-atlantic-union-bank-announce-enhanced-community-impact-plan-to-support-underserved-communities\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"461\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2019\/12\/logo-1024x461.png\" class=\"attachment-large size-large wp-image-70243\" alt=\"NCRC Logo\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2019\/12\/logo-1024x461.png 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2019\/12\/logo-300x135.png 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2019\/12\/logo-768x345.png 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2019\/12\/logo-1536x691.png 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2019\/12\/logo-2048x921.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='NCRC' src='https:\/\/secure.gravatar.com\/avatar\/300132645db499f16424a2110a3101b33d2f5081c5fc731df827d62d863da9df?s=128&#038;d=blank&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/300132645db499f16424a2110a3101b33d2f5081c5fc731df827d62d863da9df?s=256&#038;d=blank&#038;r=g 2x' class='avatar avatar-128 photo' height='128' width='128' \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/national-community-reinvestment-coalition-and-atlantic-union-bank-announce-enhanced-community-impact-plan-to-support-underserved-communities\/\">\n\t\t\t\tNational Community Reinvestment Coalition and Atlantic Union Bank Announce Enhanced Community Impact Plan to Support Underserved Communities\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-248451 post type-post status-publish format-standard hentry category-pr tag-cba-2 tag-cba tag-cba-news tag-community-benefits-agreement tag-community-benefits-agreements tag-featured tag-southstate-bank\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/ncrc-and-southstate-bank-announce-8-3-billion-plan-to-support-underserved-communities\/\">\n\t\t\t\tNCRC And SouthState Bank Announce $8.3 Billion Plan To Support Underserved Communities\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-152532 post type-post status-publish format-standard hentry category-pr tag-cba-2 tag-bank-mergers tag-cba tag-cba-news tag-community-benefits-agreement tag-featured\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/ncrc-old-national-announce-1-2-billion-addendum-to-increase-community-growth-plan-to-9-5-billion\/\">\n\t\t\t\tNCRC, Old National Announce $1.2 Billion Addendum To\u00a0Increase Community Growth Plan To $9.5 Billion\u00a0\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-137349 post type-post status-publish format-standard hentry category-press tag-cba-news\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/american-banker-silicon-valley-bank-pledged-11-billion-in-community-benefits-now-what\/\">\n\t\t\t\tAmerican Banker: Silicon Valley Bank Pledged $11 Billion In Community Benefits. Now What?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-135858 post type-post status-publish format-standard hentry category-press tag-cba-news\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/memphis-business-journal-a-major-factor-inside-tds-50-billion-community-benefits-plan-and-how-it-could-impact-both-the-first-horizon-deal-and-memphis\/\">\n\t\t\t\tMemphis Business Journal: &#8216;A major factor:&#8217; Inside TD&#8217;s $50 Billion community benefits plan \u2014 and how it could impact both the First Horizon deal and Memphis\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-135318 post type-post status-publish format-standard hentry category-press tag-cba-news\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/ap-news-td-bank-announces-community-benefits-plan-to-build-on-longstanding-engagement-with-underserved-individuals-and-businesses\/\">\n\t\t\t\tAP news: TD Bank Announces Community Benefits Plan to Build on Longstanding Engagement with Underserved Individuals and Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-116138 post type-post status-publish format-standard hentry category-press tag-cba-news\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/sp-global-more-banks-are-inking-community-benefits-agreements-after-striking-ma-deals\/\">\n\t\t\t\tS&#038;P Global: More banks are inking community benefits agreements after striking M&#038;A deals\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-114569 post type-post status-publish format-standard hentry category-press tag-cba-news\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/seeking-alpha-u-s-bancorp-proposes-100b-community-benefits-plan-as-part-of-mufg-union-deal\/\">\n\t\t\t\tSeeking Alpha: US Bancorp proposes $100B Community Benefits Plan as part of MUFG Union deal\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-114566 post type-post status-publish format-standard hentry category-press tag-cba-news\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/business-wire-us-bancorp-announces-100-billion-community-benefits-plan\/\">\n\t\t\t\tBusiness Wire: US Bancorp Announces $100 Billion Community Benefits Plan\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-110249 post type-post status-publish format-standard hentry category-press tag-cba-news\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ncrc.org\/magnolia-reporter-cadence-bank-releases-five-year-community-benefits-plan\/\">\n\t\t\t\tMagnolia Reporter: Cadence Bank releases five-year Community Benefits Plan\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1f15fd e-flex e-con-boxed e-con e-parent\" data-id=\"a1f15fd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47eb599 elementor-widget elementor-widget-heading\" data-id=\"47eb599\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Additional Resources<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6889034 e-con-full e-flex e-con e-child\" data-id=\"6889034\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;07decc6&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a52fa98 elementor-cta--valign-top elementor-widget__width-initial elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"a52fa98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<a class=\"elementor-cta\" href=\"https:\/\/ncrc.org\/explainer-how-ncrc-brings-banks-and-local-leaders-together-for-community-benefits-agreements\/\" target=\"_blank\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-explainer.jpg);\" role=\"img\" aria-label=\"NCRC CBA explainer\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tExplainer: How NCRC brings banks and local leaders together for community benefits agreements\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-386835e elementor-cta--valign-top elementor-widget__width-initial elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"386835e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<a class=\"elementor-cta\" href=\"https:\/\/ncrc.org\/ncrc-members-discuss-community-benefits-agreement-process-with-u-s-bancorp\/\" target=\"_blank\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/Members-explain.jpg);\" role=\"img\" aria-label=\"Members explain\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tNCRC Members Discuss Community Benefits Agreement Process With U.S. Bancorp\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Community Benefits Agreements How Banks Ensure They Meet Local Needs Cover image: AndriiKoval-stock.adobe.com Keep Up Get NCRC news and alerts by email. The\u00a0Community Reinvestment Act\u00a0(CRA) requires banks to meet the credit needs of the communities where they take deposits, including low- and moderate income (LMI) neighborhoods. Community benefits agreements (CBAs) are a way for banks<\/p>\n","protected":false},"author":932,"featured_media":140199,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"footnotes":""},"class_list":["post-140111","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-web-hero-v2.jpg",1800,653,false],"thumbnail":["https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-web-hero-v2-150x100.jpg",150,100,true],"medium":["https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-web-hero-v2-300x109.jpg",300,109,true],"medium_large":["https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-web-hero-v2-768x279.jpg",768,279,true],"large":["https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-web-hero-v2-1024x371.jpg",1024,371,true],"1536x1536":["https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-web-hero-v2-1536x557.jpg",1536,557,true],"2048x2048":["https:\/\/ncrc.org\/wp-content\/uploads\/2023\/07\/CBA-web-hero-v2.jpg",1800,653,false]},"uagb_author_info":{"display_name":"NCRC","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"Community Benefits Agreements How Banks Ensure They Meet Local Needs Cover image: AndriiKoval-stock.adobe.com Keep Up Get NCRC news and alerts by email. The\u00a0Community Reinvestment Act\u00a0(CRA) requires banks to meet the credit needs of the communities where they take deposits, including low- and moderate income (LMI) neighborhoods. Community benefits agreements (CBAs) are a way for banks","_links":{"self":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/pages\/140111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/users\/932"}],"replies":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/comments?post=140111"}],"version-history":[{"count":9,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/pages\/140111\/revisions"}],"predecessor-version":[{"id":290996,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/pages\/140111\/revisions\/290996"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media\/140199"}],"wp:attachment":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media?parent=140111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}