{"id":143763,"date":"2023-10-12T14:48:32","date_gmt":"2023-10-12T18:48:32","guid":{"rendered":"https:\/\/ncrc.org\/?page_id=143763"},"modified":"2026-08-30T13:24:19","modified_gmt":"2026-08-30T17:24:19","slug":"cra","status":"publish","type":"page","link":"https:\/\/ncrc.org\/cra\/","title":{"rendered":"Community Reinvestment Act"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"143763\" class=\"elementor elementor-143763\" 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;video&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;]}],&quot;background_video_link&quot;:&quot;https:\\\/\\\/youtu.be\\\/tEgkgpQdj28&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-background-video-container elementor-hidden-mobile\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-video-embed\" role=\"presentation\"><\/div>\n\t\t\t\t\t\t<\/div>\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<h3 class=\"elementor-heading-title elementor-size-xxl\">Stop<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-502e30c elementor-widget elementor-widget-heading\" data-id=\"502e30c\" 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<h3 class=\"elementor-heading-title elementor-size-default\">CRA ROLLBACK<\/h3>\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\"><span style=\"font-weight: 400;\">Keep Banks Accountable To Communities With A Strong CRA<\/span><\/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-82051d7 e-flex e-con-boxed e-con e-parent\" data-id=\"82051d7\" 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;d00f861&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\t<\/div>\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<div class=\"elementor-element elementor-element-7d0f8a9 e-con-full e-flex e-con e-child\" data-id=\"7d0f8a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-9813dec e-con-full e-flex e-con e-child\" data-id=\"9813dec\" 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 class=\"elementor-element elementor-element-4c62954 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4c62954\" 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>The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) recently announced a proposed Community Reinvestment Act (CRA) rule that would weaken bank obligations to invest, lend and provide services in low- and moderate-income (LMI) communities, while reducing transparency and accountability.<\/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-6db114b elementor-widget__width-initial 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<p>This deviates from their previous plan to withdraw the 2023 version of the Community Reinvestment Act Rule and replace it with the 1995 version.<\/p><p><strong>NCRC has summarized the key takeaways from the rule. To read our full analysis, <a href=\"https:\/\/ncrc.org\/the-proposed-2026-cra-rollbacks-key-takeaways-and-why-it-matters\/\">click here<\/a>.<\/strong><\/p><p>To see how your state would be affected by the proposed rollbacks, take a look at our interactive map below.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bae69a4 e-con-full e-flex e-con e-child\" data-id=\"bae69a4\" 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-4dc1bb5 elementor-widget elementor-widget-heading\" data-id=\"4dc1bb5\" 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\">Featured Resource<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fea90a e-con-full e-flex e-con e-child\" data-id=\"9fea90a\" 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<a class=\"elementor-element elementor-element-4245a36 e-con-full e-flex e-con e-child\" data-id=\"4245a36\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/ncrc.org\/the-proposed-2026-cra-rollbacks-key-takeaways-and-why-it-matters\/\" target=\"_blank\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9757ee elementor-widget elementor-widget-heading\" data-id=\"f9757ee\" 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\">The Proposed 2026 CRA Rollbacks:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ba7d23 elementor-widget elementor-widget-text-editor\" data-id=\"9ba7d23\" 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 class=\"p1\">Key Takeaways And Why It Matters<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fbdfc1 elementor-widget elementor-widget-menu-anchor\" data-id=\"9fbdfc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"map\"><\/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-64c568c e-con e-atomic-element e-flexbox-base e-b5f1090 \" data-id=\"64c568c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"64c568c\" data-e-type=\"e-flexbox\" data-id=\"64c568c\">\n    \t\t<div class=\"elementor-element elementor-element-3c69db6 elementor-widget elementor-widget-menu-anchor\" data-id=\"3c69db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Map\"><\/div>\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-6edd9a2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6edd9a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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-3f0b091 elementor-widget elementor-widget-text-editor\" data-id=\"3f0b091\" 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>Interactive map<\/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-f0daf88 elementor-widget elementor-widget-html\" data-id=\"f0daf88\" 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<!-- NCRC CRA rulemaking hex map -->\n<iframe\n    src=\"https:\/\/cra-rulemaking-hex-cirxruvuia-uc.a.run.app\/embed\"\n    title=\"State-level impact of the proposed CRA rescission\"\n    style=\"width:100%; border:0; height:750px;\"\n    loading=\"lazy\">\n<\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8d97ad elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b8d97ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-92f742f e-con e-atomic-element e-flexbox-base e-9425aee \" data-id=\"92f742f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"92f742f\" data-e-type=\"e-flexbox\" data-id=\"92f742f\">\n    \t\t<div class=\"elementor-element elementor-element-a1102bc elementor-widget elementor-widget-text-editor\" data-id=\"a1102bc\" 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>PROPOSED CRA CHANGES<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58c08a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58c08a9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-0bfa37c\" data-id=\"0bfa37c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67af235 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"67af235\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-large\">Type of Bank<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-5b470d4\" data-id=\"5b470d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5154e6e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5154e6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-large\">Current Rule<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-e7e1c2e\" data-id=\"e7e1c2e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68e9e7b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"68e9e7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-large\">Proposed Rule<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-89c021a\" data-id=\"89c021a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2df12df elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2df12df\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-large\">Impact<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-17f4680 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"17f4680\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-81e6a21\" data-id=\"81e6a21\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d092554 elementor-widget elementor-widget-text-editor\" data-id=\"d092554\" 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><b>Small Banks<\/b><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-430ccd8\" data-id=\"430ccd8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0dab837 elementor-widget elementor-widget-text-editor\" data-id=\"0dab837\" 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>Asset threshold: &lt;$412 million<\/p><p>CRA obligations: lending test only (retail loans)<\/p><p>No: community development test, small business reporting <\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-81fbe17\" data-id=\"81fbe17\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec0fae2 elementor-widget elementor-widget-text-editor\" data-id=\"ec0fae2\" 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>Asset Threshold: &lt;$1 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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c5fe987\" data-id=\"c5fe987\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c88cb2 elementor-widget elementor-widget-text-editor\" data-id=\"3c88cb2\" 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>Threshold change means 800 fewer banks have community development obligations; reduction of 40%<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a03650 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a03650\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-b2a1687\" data-id=\"b2a1687\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7491c8e elementor-widget elementor-widget-text-editor\" data-id=\"7491c8e\" 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><b>Intermediate Banks<\/b><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7e1c3c9\" data-id=\"7e1c3c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-920f93d elementor-widget elementor-widget-text-editor\" data-id=\"920f93d\" 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>Asset threshold: &gt;$412 million to $1.649 billion<\/p><p>CRA Obligations: Lending test (retail loans) and a combined community development test (loans, investments, services, grants combined) <br \/>No: small business reporting<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c266ec5\" data-id=\"c266ec5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1efad96 elementor-widget elementor-widget-text-editor\" data-id=\"1efad96\" 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>Asset Threshold: &gt;$1 billion to $10 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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-6b2bed4\" data-id=\"6b2bed4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc32ecb elementor-widget elementor-widget-text-editor\" data-id=\"dc32ecb\" 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>417 banks now subject to \u201ceasier\u201d combined community development test instead of more robust large bank test<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eac5103 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eac5103\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-993b1a0\" data-id=\"993b1a0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52b864b elementor-widget elementor-widget-text-editor\" data-id=\"52b864b\" 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><b>Large Banks<\/b><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-aef6a04\" data-id=\"aef6a04\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a3f3a24 elementor-widget elementor-widget-text-editor\" data-id=\"a3f3a24\" 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>Asset threshold: &gt;$1.649 billion<\/p><p>CRA Obligations: lending test (retail and <strong>CD loans<\/strong>), service test (branches, products, volunteer hours); investment test (<strong>CD investments and grants<\/strong>)<\/p><p>Small business reporting required<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-1f202ad\" data-id=\"1f202ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d94053 elementor-widget elementor-widget-text-editor\" data-id=\"8d94053\" 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>Asset Threshold: &gt;$10 billion<\/p><p>Changes service to test to only focus on credit services (not deposit services) <\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-dd9112c\" data-id=\"dd9112c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-796157a elementor-widget elementor-widget-text-editor\" data-id=\"796157a\" 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>Branches lose scrutiny: eliminates branch evaluations for 417 banks <br \/><br \/>These banks have 5,000 branches in LMI census tracks (30% of all LMI branches) and 4,000 branches in majority people of color tracks (23% of all branches) <br \/><br \/>11% reduction in small business lending reporting<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-af917d5 e-con e-atomic-element e-flexbox-base e-af917d5-5129eba \" data-id=\"af917d5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"af917d5\" data-e-type=\"e-flexbox\" data-id=\"af917d5\">\n    \t\t<div class=\"elementor-element elementor-element-824e2d9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"824e2d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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-1fd269e elementor-widget elementor-widget-heading\" data-id=\"1fd269e\" 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\"><a href=\"http:\/\/spread-word\">TAKE ACTION<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-6463515 e-con e-atomic-element e-flexbox-base e-885ef75 \" data-id=\"6463515\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6463515\" data-e-type=\"e-flexbox\" data-id=\"6463515\">\n    \t\t<div class=\"elementor-element elementor-element-53e4d54 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"53e4d54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"87969108\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-879691081\" data-tab-title-id=\"e-n-tab-title-879691081\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-879691081\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tTELL REGULATORS\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-879691082\" data-tab-title-id=\"e-n-tab-title-879691082\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-879691082\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tTELL CONGRESS\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-879691083\" data-tab-title-id=\"e-n-tab-title-879691083\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-879691083\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tTELL LOCAL LEADERS\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-879691081\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-879691081\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-8a15345 e-con-full e-flex e-con e-child\" data-id=\"8a15345\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6233202 e-con e-atomic-element e-flexbox-base e-6233202-89a7d28 \" data-id=\"6233202\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6233202\" data-e-type=\"e-flexbox\" data-id=\"6233202\">\n    \t\t<div class=\"elementor-element elementor-element-fee5a35 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"fee5a35\" 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><strong>COMING SOON<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-879691082\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-879691082\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-e214fe0 e-flex e-con-boxed e-con e-child\" data-id=\"e214fe0\" 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<div class=\"elementor-element elementor-element-4891669 e-con e-atomic-element e-flexbox-base e-00518ad \" data-id=\"4891669\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4891669\" data-e-type=\"e-flexbox\" data-id=\"4891669\">\n    \t\t<div class=\"elementor-element elementor-element-7cf38e3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7cf38e3\" 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>Use <a href=\"https:\/\/www.congress.gov\/members\/find-your-member\" target=\"_blank\" rel=\"noopener\">this resource<\/a> to find your Senators and Representatives, and then adapt the below sample language to let them know that you do not approve of the proposed CRA rule changes. Note: Congress Members\u2019 websites often list email addresses, but the resource lists alternative contact methods as well.<\/p><p><strong>Sample Language<\/strong><\/p><p><em>RE: OCC and FDIC Proposed Changes to Community Reinvestment Act Rule<\/em><br \/><strong><em>[Docket ID OCC-2026-0694; RIN 1557-AF57; RIN 3064-AG31] <\/em><\/strong><\/p><p><em>Dear Representative <strong>[add last name]<\/strong> or Senator <strong>[add last name]<\/strong>:<br \/><\/em><\/p><p><em>In August, the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) released a proposed rule that significantly weakens the Community Reinvestment Act (CRA). CRA was enacted to address historic redlining and helps ensure banks reinvest in all the communities they serve, including low- and moderate-income (LMI) communities.<\/em><\/p><p><em>The proposed CRA rule, as written, would reclassify over 1,200 banks and would likely lead to the loss of financing for affordable housing, economic development, community services and revitalization and stabilization of underserved communities. The rule, along with guidance the OCC proposed last year, could also lead to massive decreases in community development financing from all banks &#8211; regardless of their asset size. The agencies have offered benchmarks of satisfactory community development performance that are far below the annual levels of community development loans and investments banks currently make. According to the National Community Reinvestment Coalition, if this rule goes into effect, the 69 largest OCC- and FDIC-supervised banks, which currently make $102 billion a year in total community development loans and investments inside their assessment areas, would be able to justify decreasing their community development financing to just $15 to $31 billion \u2014 a $71 billion to $87 billion annual loss.<\/em><\/p><p><em>Specifically, the proposed rule also may lead to: less support for affordable housing via the Low Income Housing Tax Credit (LIHTC), less transparency of small business lending, fewer community development loans and investments that support small businesses, fewer branches in LMI and rural communities, less access to affordable bank accounts and higher fees for unbanked and underbanked consumers, less capacity for community based organizations to play their critical role in supporting communities and the financial service ecosystem, and less scrutiny of redlining and discrimination by banks.<\/em><\/p><p><em><strong>[Describe your organization and indicate how the proposed rule will impact (1) your organization and (2) your state by gathering information from the interactive map available here: <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a> To demonstrate historic CRA benefits to your community, gather community-based information by using the interactive CRA Qualified Lending tool also at <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a>.]<\/strong><\/em><\/p><p><em>Please demand the OCC and FDIC extend the comment period and not finalize the proposal until they identify, quantify, and explain the effects of the proposal on LMI communities. Please urge them not to roll back CRA.<\/em><\/p><p><em>Sincerely,<\/em><br \/><strong><em>[Add Name]<\/em><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-879691083\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-879691083\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-eb5a52f e-con-full e-flex e-con e-child\" data-id=\"eb5a52f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-db80418 e-con e-atomic-element e-flexbox-base e-db80418-e9f54a7 \" data-id=\"db80418\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"db80418\" data-e-type=\"e-flexbox\" data-id=\"db80418\">\n    \t\t<div class=\"elementor-element elementor-element-81f37e1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"81f37e1\" 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>Use <a href=\"https:\/\/live.cicerodata.com\/\" target=\"_blank\" rel=\"noopener\">this resource<\/a> to find your state and local representatives, and then adapt the below sample language to let them know that you do not approve of the proposed CRA rule changes.<\/p><p><strong>Sample Language<\/strong><\/p><p><em>RE: OCC and FDIC Proposed Changes to Community Reinvestment Act Rule<\/em><br \/><strong><em>[Docket ID OCC-2026-0694; RIN 1557-AF57; RIN 3064-AG31]<\/em><\/strong><\/p><p><em>Dear<strong> [Insert Name of Local\/State Leader or Representative]<\/strong>:<\/em><\/p><p><em>In August, the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) released a proposed rule that significantly weakens the Community Reinvestment Act (CRA). CRA was enacted to address historic redlining and helps ensure banks reinvest in all the communities they serve, including low- and moderate-income (LMI) communities.<\/em><\/p><p><em>The proposed CRA rule, as written, would reclassify over 1,200 banks and would likely lead to the loss of financing for affordable housing, economic development, community services and revitalization and stabilization of underserved communities. The rule, along with guidance the OCC proposed last year, could also lead to massive decreases in community development financing from all banks &#8211; regardless of their asset size. The agencies have offered benchmarks of satisfactory community development performance that are far below the annual levels of community development loans and investments banks currently make. According to the National Community Reinvestment Coalition, if this rule goes into effect, the 69 largest OCC- and FDIC-supervised banks, which currently make $102 billion a year in total community development loans and investments inside their assessment areas, would be able to justify decreasing their community development financing to just $15 to $31 billion \u2014 a $71 billion to $87 billion annual loss.<br \/><\/em><\/p><p><em>Specifically, the proposed rule also may lead to: less support for affordable housing via the Low Income Housing Tax Credit (LIHTC), less transparency of small business lending, fewer community development loans and investments that support small businesses, fewer branches in LMI and rural communities, less access to affordable bank accounts and higher fees for unbanked and underbanked consumers, less capacity for community based organizations to play their critical role in supporting communities and the financial service ecosystem, and less scrutiny of redlining and discrimination by banks.<\/em><\/p><p><strong><em>[Describe your organization and indicate how the proposed rule will impact it and your state by gathering information from the interactive map available here: <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a>. To demonstrate historic CRA benefits to your community, gather community-based information by using the interactive CRA Qualified Lending tool also at <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a>.]<\/em><\/strong><\/p><p><em>Please demand the OCC and FDIC extend the comment period and not finalize the proposal until they identify, quantify, and explain the effects of the proposal on LMI communities. Please urge them not to roll back CRA.<\/em><\/p><p><em>Sincerely,<br \/><strong>[Add Name]<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-a45c44c e-con e-atomic-element e-flexbox-base e-fb9bf79 \" data-id=\"a45c44c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a45c44c\" data-e-type=\"e-flexbox\" data-id=\"a45c44c\" >\n    \t\t<div class=\"elementor-element elementor-element-c7f4d3c elementor-widget elementor-widget-template\" data-id=\"c7f4d3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"291829\" class=\"elementor elementor-291829\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fecb14a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5fecb14a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-461905ba\" data-id=\"461905ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-275d9edb elementor-tabs-view-horizontal elementor-widget elementor-widget-tabs\" data-id=\"275d9edb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-6601\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-6601\" aria-expanded=\"false\">TELL REGULATORS<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-6602\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-6602\" aria-expanded=\"false\">TELL CONGRESS<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-6603\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-6603\" aria-expanded=\"false\">TELL LOCAL LEADERS<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-6601\" aria-expanded=\"false\">TELL REGULATORS<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6601\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6601\" tabindex=\"0\" hidden=\"false\"><p><strong>COMING SOON<\/strong><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-6602\" aria-expanded=\"false\">TELL CONGRESS<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6602\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6602\" tabindex=\"0\" hidden=\"hidden\"><p>Use <a href=\"https:\/\/www.congress.gov\/members\/find-your-member\" target=\"_blank\" rel=\"noopener\">this resource<\/a> to find your Senators and Representatives, and then adapt the below sample language to let them know that you do not approve of the proposed CRA rule changes. Note: Congress Members\u2019 websites often list email addresses, but the resource lists alternative contact methods as well.<\/p><p><strong>Sample Language<\/strong><\/p><p><em>RE: OCC and FDIC Proposed Changes to Community Reinvestment Act Rule<\/em><br \/><strong><em>[Docket ID OCC-2026-0694; RIN 1557-AF57; RIN 3064-AG31] <\/em><\/strong><\/p><p><em>Dear Representative <strong>[add last name]<\/strong> or Senator <strong>[add last name]<\/strong>:<br \/><\/em><\/p><p><em>In August, the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) released a proposed rule that significantly weakens the Community Reinvestment Act (CRA). CRA was enacted to address historic redlining and helps ensure banks reinvest in all the communities they serve, including low- and moderate-income (LMI) communities.<\/em><\/p><p><em>The proposed CRA rule, as written, would reclassify over 1,200 banks and would likely lead to the loss of financing for affordable housing, economic development, community services and revitalization and stabilization of underserved communities. The rule, along with guidance the OCC proposed last year, could also lead to massive decreases in community development financing from all banks &#8211; regardless of their asset size. The agencies have offered benchmarks of satisfactory community development performance that are far below the annual levels of community development loans and investments banks currently make. According to the National Community Reinvestment Coalition, if this rule goes into effect, the 69 largest OCC- and FDIC-supervised banks, which currently make $102 billion a year in total community development loans and investments inside their assessment areas, would be able to justify decreasing their community development financing to just $15 to $31 billion \u2014 a $71 billion to $87 billion annual loss.<\/em><\/p><p><em>Specifically, the proposed rule also may lead to: less support for affordable housing via the Low Income Housing Tax Credit (LIHTC), less transparency of small business lending, fewer community development loans and investments that support small businesses, fewer branches in LMI and rural communities, less access to affordable bank accounts and higher fees for unbanked and underbanked consumers, less capacity for community based organizations to play their critical role in supporting communities and the financial service ecosystem, and less scrutiny of redlining and discrimination by banks.<\/em><\/p><p><em><strong>[Describe your organization and indicate how the proposed rule will impact (1) your organization and (2) your state by gathering information from the interactive map available here: <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a> To demonstrate historic CRA benefits to your community, gather community-based information by using the interactive CRA Qualified Lending tool also at <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a>.]<\/strong><\/em><\/p><p><em>Please demand the OCC and FDIC extend the comment period and not finalize the proposal until they identify, quantify, and explain the effects of the proposal on LMI communities. Please urge them not to roll back CRA.<\/em><\/p><p><em>Sincerely,<\/em><br \/><strong><em>[Add Name]<\/em><\/strong><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-6603\" aria-expanded=\"false\">TELL LOCAL LEADERS<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6603\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6603\" tabindex=\"0\" hidden=\"hidden\"><p>Use <a href=\"https:\/\/live.cicerodata.com\/\" target=\"_blank\" rel=\"noopener\">this resource<\/a> to find your state and local representatives, and then adapt the below sample language to let them know that you do not approve of the proposed CRA rule changes.<\/p><p><strong>Sample Language<\/strong><\/p><p><em>RE: OCC and FDIC Proposed Changes to Community Reinvestment Act Rule<\/em><br \/><strong><em>[Docket ID OCC-2026-0694; RIN 1557-AF57; RIN 3064-AG31]<\/em><\/strong> <\/p><p><em>Dear<strong> [Insert Name of Local\/State Leader or Representative]<\/strong>:<\/em><\/p><p><em>In August, the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) released a proposed rule that significantly weakens the Community Reinvestment Act (CRA). CRA was enacted to address historic redlining and helps ensure banks reinvest in all the communities they serve, including low- and moderate-income (LMI) communities.<\/em> <\/p><p><em>The proposed CRA rule, as written, would reclassify over 1,200 banks and would likely lead to the loss of financing for affordable housing, economic development, community services and revitalization and stabilization of underserved communities. The rule, along with guidance the OCC proposed last year, could also lead to massive decreases in community development financing from all banks &#8211; regardless of their asset size. The agencies have offered benchmarks of satisfactory community development performance that are far below the annual levels of community development loans and investments banks currently make. According to the National Community Reinvestment Coalition, if this rule goes into effect, the 69 largest OCC- and FDIC-supervised banks, which currently make $102 billion a year in total community development loans and investments inside their assessment areas, would be able to justify decreasing their community development financing to just $15 to $31 billion \u2014 a $71 billion to $87 billion annual loss.<br \/><\/em><\/p><p><em>Specifically, the proposed rule also may lead to: less support for affordable housing via the Low Income Housing Tax Credit (LIHTC), less transparency of small business lending, fewer community development loans and investments that support small businesses, fewer branches in LMI and rural communities, less access to affordable bank accounts and higher fees for unbanked and underbanked consumers, less capacity for community based organizations to play their critical role in supporting communities and the financial service ecosystem, and less scrutiny of redlining and discrimination by banks.<\/em><\/p><p><strong><em>[Describe your organization and indicate how the proposed rule will impact it and your state by gathering information from the interactive map available here: <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a>. To demonstrate historic CRA benefits to your community, gather community-based information by using the interactive CRA Qualified Lending tool also at <a href=\"https:\/\/ncrc.org\/cra\">https:\/\/ncrc.org\/cra<\/a>.]<\/em><\/strong><\/p><p><em>Please demand the OCC and FDIC extend the comment period and not finalize the proposal until they identify, quantify, and explain the effects of the proposal on LMI communities. Please urge them not to roll back CRA.<\/em><\/p><p><em>Sincerely,<br \/><strong>[Add Name]<\/strong><br \/><\/em><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-e09c4fe e-con e-atomic-element e-flexbox-base e-ed44765 \" data-id=\"e09c4fe\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e09c4fe\" data-e-type=\"e-flexbox\" data-id=\"e09c4fe\">\n    \t\t<div class=\"elementor-element elementor-element-857a51b elementor-widget elementor-widget-spacer\" data-id=\"857a51b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\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-f1ee0b4 elementor-widget elementor-widget-text-editor\" data-id=\"f1ee0b4\" 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>The Countdown to Submit Comments<\/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-82c77bf elementor-widget elementor-widget-text-editor\" data-id=\"82c77bf\" 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 style=\"font-weight: 400;\">Be sure to submit your comment before this clock reaches all <strong>ZEROs<\/strong> at midnight on<br \/><\/span><span style=\"font-weight: 400; font-size: 40px; color: #eb2f89;\"><strong>October 13, 2026<\/strong>!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-491bc6e e-flex e-con-boxed e-con e-parent\" data-id=\"491bc6e\" 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-4256fa2 elementor-countdown--label-block elementor-widget elementor-widget-countdown\" data-id=\"4256fa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"countdown.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-countdown-wrapper\" data-date=\"1791950340\">\n\t\t\t<div class=\"elementor-countdown-item\"><span class=\"elementor-countdown-digits elementor-countdown-days\"><\/span> <span class=\"elementor-countdown-label\">Days<\/span><\/div><div class=\"elementor-countdown-item\"><span class=\"elementor-countdown-digits elementor-countdown-hours\"><\/span> <span class=\"elementor-countdown-label\">Hours<\/span><\/div><div class=\"elementor-countdown-item\"><span class=\"elementor-countdown-digits elementor-countdown-minutes\"><\/span> <span class=\"elementor-countdown-label\">Minutes<\/span><\/div><div class=\"elementor-countdown-item\"><span class=\"elementor-countdown-digits elementor-countdown-seconds\"><\/span> <span class=\"elementor-countdown-label\">Seconds<\/span><\/div>\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\n<\/div>\n<div class=\"elementor-element elementor-element-881833d e-con e-atomic-element e-flexbox-base e-2391202 \" data-id=\"881833d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"881833d\" data-e-type=\"e-flexbox\" data-id=\"881833d\">\n    \t\t<div class=\"elementor-element elementor-element-95e5402 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"95e5402\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" 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\">The Importance of CRA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be56daa elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"be56daa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" 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 style=\"font-size: 38px;\">The Community Reinvestment Act was passed in 1977 <b>to end discrimination known as redlining<\/b>.\u00a0<\/span><span style=\"font-size: 38px;\">It required banks to meet the credit needs of the communities where they do business.\u00a0<\/span><\/p><p>CRA has helped drive nearly $5 trillion since 2010 in mortgages and small business loans that expanded homeownership, fueled entrepreneurship and strengthened communities across the country<\/p><p><span style=\"font-size: 38px;\">Discrimination in lending is <b>still a problem<\/b>.\u00a0<\/span><span style=\"font-size: 38px;\">Yet some want to substantially weaken the law.\u00a0<\/span><strong style=\"font-size: 38px;\">We can\u2019t allow that to happen.<\/strong><\/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-8c4e2d1 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"8c4e2d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" 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 lang=\"EN\">Help us spread the word<em> in your community.\u00a0<\/em><\/span>Use the tools on this page to tell your members of Congress and reach your friends and local leaders.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<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;:[],&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-a009d68 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a009d68\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" 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\">Benefits of the Community Reinvestment Act<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e8a562 e-grid e-con-full elementor-invisible e-con e-child\" data-id=\"4e8a562\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:600}\">\n\t\t<div class=\"elementor-element elementor-element-fb87682 e-con-full e-flex e-con e-child\" data-id=\"fb87682\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-38bd6bb e-con-full e-flex e-con e-child\" data-id=\"38bd6bb\" 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-ddfacd4 elementor-widget elementor-widget-heading\" data-id=\"ddfacd4\" 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\">1<\/h2>\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-5eb2fc6 e-con-full e-flex e-con e-child\" data-id=\"5eb2fc6\" 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-aa9d994 elementor-widget elementor-widget-text-editor\" data-id=\"aa9d994\" 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>The Community Reinvestment Act (CRA) was passed in 1977 to combat redlining \u2013 a practice where banks would not issue loans in neighborhoods with high populations of people of color or working-class residents.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08cfd75 e-con-full e-flex e-con e-child\" data-id=\"08cfd75\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-7989932 e-con-full e-flex e-con e-child\" data-id=\"7989932\" 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-0d33ccf elementor-widget elementor-widget-heading\" data-id=\"0d33ccf\" 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\">2<\/h2>\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-552c644 e-con-full e-flex e-con e-child\" data-id=\"552c644\" 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-9dbfd18 elementor-widget elementor-widget-text-editor\" data-id=\"9dbfd18\" 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>The CRA has been successful at ensuring working-class borrowers and neighborhoods have access to homeownership and entrepreneurship, with nearly $5 trillion in CRA-qualifying mortgages and small business loans made from 2010-2024. <a href=\"#Lending\">Click here to see how much CRA-qualified lending has gone into your community!<\/a><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84b1906 e-con-full e-flex e-con e-child\" data-id=\"84b1906\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-964470c e-con-full e-flex e-con e-child\" data-id=\"964470c\" 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-382d7e5 elementor-widget elementor-widget-heading\" data-id=\"382d7e5\" 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\">3<\/h2>\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-64aae39 e-con-full e-flex e-con e-child\" data-id=\"64aae39\" 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-3f3164c elementor-widget elementor-widget-text-editor\" data-id=\"3f3164c\" 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><strong><em>Working-class neighborhoods lose economic opportunity without CRA.<\/em><\/strong><strong>\u00a0<\/strong>The Federal Reserve of Philadelphia looked at how lending was affected in neighborhoods by changing eligibility for CRA-qualified loans. They found that\u00a0<a href=\"https:\/\/www.philadelphiafed.org\/community-development\/housing-and-neighborhoods\/federal-reserve-study-finds-evidence-of-significant-impact-of-the-community-reinvestment-act\" target=\"_blank\" rel=\"noopener\">mortgage lending slows down<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.philadelphiafed.org\/-\/media\/FRBP\/Assets\/working-papers\/2018\/wp18-27.pdf?sc_lang=en\" target=\"_blank\" rel=\"noopener\">small business lending decreases by nearly 10% in urban neighborhoods<\/a>\u00a0that lose eligibility for CRA-qualified loans.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e795f91 e-con-full e-flex e-con e-child\" data-id=\"e795f91\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-3a718d4 e-con-full e-flex e-con e-child\" data-id=\"3a718d4\" 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-1fcd9d8 elementor-widget elementor-widget-heading\" data-id=\"1fcd9d8\" 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\">4<\/h2>\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-54986ee e-con-full e-flex e-con e-child\" data-id=\"54986ee\" 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-1e6386a elementor-widget elementor-widget-text-editor\" data-id=\"1e6386a\" 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><b><i>The CRA drives affordable housing investment nationwide.<\/i><\/b> <span style=\"font-weight: 400;\">The CRA is often referred to as the primary motivator of bank investment in Low Income Housing Tax Credits (LIHTC), with banks accounting for 85% of LIHTC investment dollars.<\/span><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-590e1fe e-con-full e-flex e-con e-child\" data-id=\"590e1fe\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-9cfca6e e-con-full e-flex e-con e-child\" data-id=\"9cfca6e\" 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-c8fa7a1 elementor-widget elementor-widget-heading\" data-id=\"c8fa7a1\" 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\">5<\/h2>\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-53ba280 e-con-full e-flex e-con e-child\" data-id=\"53ba280\" 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-780e4dc elementor-widget elementor-widget-text-editor\" data-id=\"780e4dc\" 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 style=\"font-weight: 400;\">CRA has led to many banks supporting Community Development Financial Institutions (CDFIs), with banks being a significant source of lending capital for CDFIs in the form of loans, investments and deposits.<\/span><\/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\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5f392c elementor-widget elementor-widget-menu-anchor\" data-id=\"e5f392c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Lending\"><\/div>\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<div class=\"elementor-element elementor-element-765c00d e-flex e-con-boxed e-con e-parent\" data-id=\"765c00d\" 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-0fc509f elementor-widget elementor-widget-menu-anchor\" data-id=\"0fc509f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"qualify\"><\/div>\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-7b4530e elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"7b4530e\" 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<div class='tableauPlaceholder' id='viz1751993534350' style='position: relative'><noscript><a href='#'><img alt='CRA QUALIFIED LENDING (2010 - 2024) ' src='https:&#47;&#47;public.tableau.com&#47;static&#47;images&#47;CR&#47;CRAQualifiedLending2010-2024&#47;CRAQUALIFIEDLENDING2010-2024&#47;1_rss.png' style='border: none' \/><\/a><\/noscript><object class='tableauViz'  style='display:none;'><param name='host_url' value='https%3A%2F%2Fpublic.tableau.com%2F' \/> <param name='embed_code_version' value='3' \/> <param name='site_root' value='' \/><param name='name' value='CRAQualifiedLending2010-2024&#47;CRAQUALIFIEDLENDING2010-2024' \/><param name='tabs' value='no' \/><param name='toolbar' value='yes' \/><param name='static_image' value='https:&#47;&#47;public.tableau.com&#47;static&#47;images&#47;CR&#47;CRAQualifiedLending2010-2024&#47;CRAQUALIFIEDLENDING2010-2024&#47;1.png' \/> <param name='animate_transition' value='yes' \/><param name='display_static_image' value='yes' \/><param 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\n<\/script>\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-79a6b44 e-con e-atomic-element e-flexbox-base e-e042455 \" data-id=\"79a6b44\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"79a6b44\" data-e-type=\"e-flexbox\" data-id=\"79a6b44\">\n    \t\t<div class=\"elementor-element elementor-element-b94539b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b94539b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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-d6d2e75 elementor-widget elementor-widget-heading\" data-id=\"d6d2e75\" 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\"><a href=\"http:\/\/spread-word\">Share this<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-d2cc6c5 e-con e-atomic-element e-flexbox-base e-4b0df2f \" data-id=\"d2cc6c5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d2cc6c5\" data-e-type=\"e-flexbox\" data-id=\"d2cc6c5\">\n    <div class=\"elementor-element elementor-element-a0a6367 e-con e-atomic-element e-flexbox-base e-5aca626 \" data-id=\"a0a6367\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a0a6367\" data-e-type=\"e-flexbox\" data-id=\"a0a6367\">\n    \t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-472e948-db994fc\" data-interaction-id=\"472e948\" data-e-type=\"widget\" data-id=\"472e948\" id=\"291501\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/stop-cra-rollback-sm.jpg\" width=\"800\" height=\"1000\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/stop-cra-rollback-sm.jpg 800w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/stop-cra-rollback-sm-240x300.jpg 240w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/stop-cra-rollback-sm-768x960.jpg 768w\" alt=\"\"\/>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-78d0d13 e-con e-atomic-element e-flexbox-base e-e145d6c \" data-id=\"78d0d13\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"78d0d13\" data-e-type=\"e-flexbox\" data-id=\"78d0d13\">\n    <div class=\"elementor-element elementor-element-045b331 e-con e-atomic-element e-flexbox-base e-c59a23b \" data-id=\"045b331\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"045b331\" data-e-type=\"e-flexbox\" data-id=\"045b331\">\n    <div class=\"elementor-element elementor-element-280dd15 e-con e-atomic-element e-div-block-base e-280dd15-915be34 \" data-id=\"280dd15\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"280dd15\" data-e-type=\"e-div-block\" data-id=\"280dd15\">\n    \t\t\t<p class=\"e-b93c600-ac30c9a e-paragraph-base\" data-interaction-id=\"b93c600\" data-e-type=\"widget\" data-id=\"b93c600\">CRA is one of the main reasons banks have kept their share of branches in low- and moderate-income neighborhoods relatively steady. Remove that requirement, and there is little stopping a rapid pullback.<br><br><a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23stopcrarollback&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#StopCRARollback<\/strong><\/a> <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23craworks&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#CRAWorks<\/strong><\/a> <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23communityreinvestment&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#CommunityReinvestment<\/strong><\/a><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-681c402 elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"681c402\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;share_url&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.linkedin.com\\\/posts\\\/national-community-reinvestment-coalition_stopcrarollback-craworks-communityreinvestment-activity-7494060438268338176-ZEBj?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAAADDcAsBEuns6TZEJNoW3fJ_sMSiLbyOAe8&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;}}\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tSHARE\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-aee107d e-con e-atomic-element e-flexbox-base e-ceb3206 \" data-id=\"aee107d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aee107d\" data-e-type=\"e-flexbox\" data-id=\"aee107d\">\n    <div class=\"elementor-element elementor-element-6b8efe1 e-con e-atomic-element e-div-block-base e-6b8efe1-b7d1ae1 \" data-id=\"6b8efe1\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"6b8efe1\" data-e-type=\"e-div-block\" data-id=\"6b8efe1\">\n    \t\t\t<p class=\"e-2bc7b4b-c459aa6 e-paragraph-base\" data-interaction-id=\"2bc7b4b\" data-e-type=\"widget\" data-id=\"2bc7b4b\">The <a target=\"_blank\" href=\"https:\/\/x.com\/USOCC\">@USOCC<\/a> and the <a target=\"_blank\" href=\"https:\/\/x.com\/FDICgov\">@FDICgov<\/a> just proposed raising the \"large bank\" threshold from $1.65 billion to $10 billion. That one change would put more than 5,000 branches in low- and moderate-income communities at serious risk of closure.<br><br><a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23stopcrarollback&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#StopCRARollback<\/strong><\/a> <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23craworks&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#CRAWorks<\/strong><\/a> <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23communityreinvestment&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#CommunityReinvestment<\/strong><\/a><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9a0337 elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"c9a0337\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;share_url&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/x.com\\\/NCRC\\\/status\\\/2088294724188705187&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;}}\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_x-twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on x-twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-x-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tSHARE\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-a60b56d e-con e-atomic-element e-flexbox-base e-a60b56d-094bff6 \" data-id=\"a60b56d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a60b56d\" data-e-type=\"e-flexbox\" data-id=\"a60b56d\">\n    <div class=\"elementor-element elementor-element-097f7a0 e-con e-atomic-element e-div-block-base e-097f7a0-1654ff0 \" data-id=\"097f7a0\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"097f7a0\" data-e-type=\"e-div-block\" data-id=\"097f7a0\">\n    \t\t\t<p class=\"e-fdd0e4c-8b0530f e-paragraph-base\" data-interaction-id=\"fdd0e4c\" data-e-type=\"widget\" data-id=\"fdd0e4c\">The U.S. Comptroller of the Currency and the Federal Deposit Insurance Corporation just proposed raising the \"large bank\" threshold from $1.65 billion to $10 billion. That one change would strip full CRA scrutiny from hundreds of banks and put more than 5,000 branches in low- and moderate-income communities at serious risk of closure.<br><br><a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23stopcrarollback&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#StopCRARollback<\/strong><\/a> <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23craworks&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#CRAWorks<\/strong><\/a> <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23communityreinvestment&amp;origin=HASH_TAG_FROM_FEED\" rel=\"noopener\"><strong>#CommunityReinvestment<\/strong><\/a><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee23851 elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"ee23851\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;share_url&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.facebook.com\\\/share\\\/p\\\/1EQRfCbosr\\\/&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;}}\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tSHARE\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-22fe291 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"22fe291\" 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-4ee09cb animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4ee09cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" 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\">Benefits of the 2023 Rule<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-150a03e e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"150a03e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:600}\">\n\t\t<div class=\"elementor-element elementor-element-266e8e9 e-grid e-con-full e-con e-child\" data-id=\"266e8e9\" 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-b207d84 elementor-widget elementor-widget-heading\" data-id=\"b207d84\" 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\">Modernization &amp; Clarity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a192c5 e-con-full e-flex e-con e-child\" data-id=\"6a192c5\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-c865c17 e-con-full e-flex e-con e-child\" data-id=\"c865c17\" 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-3d5f0d3 elementor-widget elementor-widget-heading\" data-id=\"3d5f0d3\" 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\">\u2022<\/h2>\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-f37c440 e-con-full e-flex e-con e-child\" data-id=\"f37c440\" 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-925f62b elementor-widget elementor-widget-text-editor\" data-id=\"925f62b\" 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 lang=\"EN\">Updates assessment areas to account for online lending that was nonexistent the last time the CRA was updated in 1995, while tailoring new assessment areas to only apply to banks that do more than 20% of their lending outside of branch networks.<\/span><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9da9ec e-con-full e-flex e-con e-child\" data-id=\"a9da9ec\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-39f046d e-con-full e-flex e-con e-child\" data-id=\"39f046d\" 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-bb620a5 elementor-widget elementor-widget-heading\" data-id=\"bb620a5\" 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\">\u2022<\/h2>\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-c861ac9 e-con-full e-flex e-con e-child\" data-id=\"c861ac9\" 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-802ccde elementor-widget elementor-widget-text-editor\" data-id=\"802ccde\" 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>Takes the guesswork out of determining what is a \u201csatisfactory\u201d level of lending to working-class borrowers or small businesses by establishing transparent performance ranges that compare a bank\u2019s lending to other lenders and local demographics. <span lang=\"EN\">\u00a0<\/span><strong><i><span lang=\"EN\">This clarity will save members of the public and banks considerable time.<\/span><\/i><\/strong><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9eda4a e-con-full e-flex e-con e-child\" data-id=\"a9eda4a\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-eff6d27 e-con-full e-flex e-con e-child\" data-id=\"eff6d27\" 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-086cbe9 elementor-widget elementor-widget-heading\" data-id=\"086cbe9\" 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\">\u2022<\/h2>\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-eb47441 e-con-full e-flex e-con e-child\" data-id=\"eb47441\" 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-5870d97 elementor-widget elementor-widget-text-editor\" data-id=\"5870d97\" 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>Implements common sense updates that banks that choose to pursue strategic plans should post their draft plans online for public comment, instead of the current practice of posting them in trade papers that are not widely read. <strong><i><span lang=\"EN\">This update makes it easier for the public to comment on strategic plans, which has become more common in recent years as more online lenders and\u00a0<span class=\"SpellE\">fintechs<\/span>\u00a0pursue bank charters and the strategic plan option.<\/span><\/i><\/strong><\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ff681f e-grid e-con-full e-con e-child\" data-id=\"3ff681f\" 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-6b30a73 elementor-widget elementor-widget-heading\" data-id=\"6b30a73\" 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\">Boosting Rural, Working-Class America<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b0a225 e-con-full e-flex e-con e-child\" data-id=\"7b0a225\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-13041c0 e-con-full e-flex e-con e-child\" data-id=\"13041c0\" 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-00b820d elementor-widget elementor-widget-heading\" data-id=\"00b820d\" 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\">\u2022<\/h2>\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-4c77c8b e-con-full e-flex e-con e-child\" data-id=\"4c77c8b\" 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-14e3a6b elementor-widget elementor-widget-text-editor\" data-id=\"14e3a6b\" 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 lang=\"EN\">Allows banks to get credit for community development financing across the country to address the current lack of community development in communities without branches, such as rural areas and Native lands.<\/span><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-875333b e-con-full e-flex e-con e-child\" data-id=\"875333b\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-b46e1e4 e-con-full e-flex e-con e-child\" data-id=\"b46e1e4\" 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-2303142 elementor-widget elementor-widget-heading\" data-id=\"2303142\" 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\">\u2022<\/h2>\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-6488b5e e-con-full e-flex e-con e-child\" data-id=\"6488b5e\" 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-541e062 elementor-widget elementor-widget-text-editor\" data-id=\"541e062\" 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>Encourages more loans, investments, and grants from banks in areas with economic hardship such as persistent-poverty counties that tend to be rural. <strong><em>These private investments complement federal, state, and local initiatives in these underserved areas so they can achieve greater impact than they would with only public investment.<\/em><\/strong><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ee27cf e-con-full e-flex e-con e-child\" data-id=\"4ee27cf\" 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;1dbeba5&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<div class=\"elementor-element elementor-element-693c06e e-con-full e-flex e-con e-child\" data-id=\"693c06e\" 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-6535748 elementor-widget elementor-widget-heading\" data-id=\"6535748\" 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\">\u2022<\/h2>\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-92b1693 e-con-full e-flex e-con e-child\" data-id=\"92b1693\" 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-98ebdcd elementor-widget elementor-widget-text-editor\" data-id=\"98ebdcd\" 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 lang=\"EN\">Awards positive consideration for banks that offer checking accounts whose cost and features are tailored for the working class.<\/span><\/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\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-1b179f7 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"1b179f7\" 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-0ae2bdd animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0ae2bdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" 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\">Comparison of 2023 and 1995 CRA Rules<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efb57d8 elementor-widget elementor-widget-text-editor\" data-id=\"efb57d8\" 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><iframe id=\"datawrapper-chart-0ESNq\" style=\"width: 0; min-width: 100% !important; border: none;\" title=\"Comparison of 2023 and 1995 CRA Rules\" src=\"https:\/\/datawrapper.dwcdn.net\/0ESNq\/1\/\" height=\"1102\" frameborder=\"0\" scrolling=\"no\" aria-label=\"Table\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}}))}();\n<\/script><\/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-fe8d23c elementor-widget elementor-widget-text-editor\" data-id=\"fe8d23c\" 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><a href=\"https:\/\/ncrc.org\/sdc_download\/251232\/?key=hbnwsd7qo6t72avyqg9m1lh51y19gp\" target=\"_blank\" rel=\"noopener\"><em>Pdf Download<\/em><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e722b1 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"9e722b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;animation&quot;:&quot;slideInUp&quot;,&quot;animation_delay&quot;:600}\">\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-69f9c06 e-con e-atomic-element e-flexbox-base e-b39e085 \" data-id=\"69f9c06\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"69f9c06\" data-e-type=\"e-flexbox\" data-id=\"69f9c06\">\n    \t\t<div class=\"elementor-element elementor-element-743a07c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"743a07c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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-fddec2c elementor-widget elementor-widget-heading\" data-id=\"fddec2c\" 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\">Toolkit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50c0be1 elementor-widget elementor-widget-text-editor\" data-id=\"50c0be1\" 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><b>Here are some things you can use in your email and social media messages to people you know and to leaders who need to hear from us.<\/b><\/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-47ca87b elementor-widget elementor-widget-template\" data-id=\"47ca87b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"291513\" class=\"elementor elementor-291513\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-417c75f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"417c75f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-219dc891\" data-id=\"219dc891\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35bd402f elementor-widget elementor-widget-toggle\" data-id=\"35bd402f\" 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-9011\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9011\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Key messages<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9011\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9011\"><ul><li><p>The Community Reinvestment Act (CRA) has been a pivotal piece of civil and economic rights legislation since its enactment in 1977. It is responsible for working-class borrowers and neighborhoods across the country receiving nearly $5 trillion in qualifying mortgages and small business loans from 2010-2024.<\/p><\/li><li><p>CRA has had bipartisan support since the beginning because it puts power in the hands of communities and encourages relationship-building among community stakeholders.<\/p><\/li><li><p>On July 31, the OCC and FDIC announced a new proposed rule that would drastically weaken banks&#8217; obligations to invest, lend and provide services in low- and moderate-income (LMI) communities, while reducing transparency and accountability.<\/p><\/li><li><p>The proposal will reclassify what it means to be a \u201csmall\u201d or \u201cintermediate\u201d bank by significantly increasing each category&#8217;s asset threshold. With fewer banks failing under CRA requirements, community development, affordable housing and data on small business lending could be drastically reduced.<\/p><\/li><li><p>Congress just passed the Road to Housing Act to expand housing supply, while the administration is simultaneously advancing regulatory changes that could reduce the very capital needed to build those homes.<\/p><\/li><li><p>Any new rules should help working-class communities and communities of color, not make things worse for them.<\/p><\/li><li><p>The timing of the new proposed rule isn\u2019t just bad and tone-deaf in the middle of an affordable housing crisis. It\u2019s cruel and dangerous.<\/p><\/li><li><p>It\u2019s absurd to weaken the Community Reinvestment Act. It has driven trillions of dollars in investments to communities all across America. Millions of Americans are currently struggling to make ends meet.. We don\u2019t need to double down with bad rules that will reduce affordable housing and make it harder for small businesses to grow and hire more people.<\/p><\/li><li><p>Billions of dollars in bank loans, investments and philanthropy that should go to working-class neighborhoods could wind up going elsewhere.<\/p><\/li><li><p>These proposed changes will allow banks to do less for poor communities and communities of color.<\/p><\/li><li><p>CRA is supposed to make sure banks serve all the communities where they take deposits, not just the rich, White ones.<\/p><\/li><li><p>The fact that all three bank agencies cannot agree on a single plan to modernize the CRA indicates that there are problems with this new proposal.<\/p><\/li><li><p>Any rule changes have to ensure that low- and moderate-income communities and communities of color have equal access to capital and credit.<\/p><\/li><li><p>Don\u2019t let bank regulators use modernization as an excuse to weaken the law.<\/p><p>Banks are essential for local economies. They decide who gets mortgage and small business loans \u2013 and who doesn\u2019t. Banks are also major sources of community development investment capital and philanthropic grants to local nonprofits. But there\u2019s something else to bear in mind about banks: They also have a <a href=\"https:\/\/ncrc.org\/gentrification\/\">long, dark history<\/a> and a well-documented recent <a href=\"https:\/\/ncrc.org\/disinvestment\/\">record of discrimination<\/a>. The CRA is designed to address this history and must remain strong.<\/p><\/li><li><p>Strong enforcement of CRA is still important for working-class communities and communities of color. When banks are not held accountable and required to serve all the communities where they take deposits, the result is <a href=\"https:\/\/ncrc.org\/disinvestment\/\">neglect, disinvestment and discrimination<\/a>.<\/p><\/li><li><p>When 98% of banks already pass their CRA exams, do we really need to make it easier for them? This is exactly what the rules proposed in July would do.<\/p><\/li><li><p>These attacks are not new, and neither is our response. For nearly three decades, NCRC has convened banks, community organizations, policymakers, and advocates from across the country to strengthen CRA and ensure it continues to serve families and communities. We will continue to provide the research, resources, and leadership needed to protect one of our nation&#8217;s most important community investment laws.<\/p><\/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-9012\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9012\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Hashtags<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9012\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9012\"><p><span style=\"font-weight: 400;\">#TreasureCRA<\/span><\/p><p><span style=\"font-weight: 400;\">#CRAworks<\/span><\/p><p>#JustEconomy<\/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-9013\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9013\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Links<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9013\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9013\"><ol><li><strong>CRA Homepage:<\/strong> <a href=\"http:\/\/www.ncrc.org\/cra\">www.ncrc.org\/cra<\/a><\/li><li><strong>Key Takeaways and Why It Matters:\u00a0<\/strong> <a href=\"https:\/\/ncrc.org\/2026-cra-rollbacks\/\">www.ncrc.org\/2026-cra-rollbacks<\/a><\/li><li><strong>New CRA Proposal:<\/strong> <a href=\"https:\/\/ncrc.org\/new-cra-proposal-is-an-assault-on-working-class-communities\/\">www.ncrc.org\/new-cra-proposal-is-an-assault-on-working-class-communities<\/a><\/li><\/ol><\/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-9014\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9014\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Sample LinkedIn<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9014\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9014\"><ol><li>\u00a0The OCC and FDIC have proposed a new CRA rule that would fundamentally weaken bank obligations to invest in low- and moderate-income communities. The numbers tell the story clearly.<p>Approximately 814 banks would lose community development obligations entirely, a 40% reduction. More than 5,000 branches in LMI census tracts would lose separate accountability evaluations, representing 30% of all LMI branches nationwide.<\/p><p>This is not modernization. It is a rollback dressed up in regulatory language.<\/p><p>CRA has helped generate nearly $5 trillion in mortgages and small business loans from 2010-2024. The law works. What is being proposed would significantly diminish its reach at the exact moment communities need banks to show up most.<\/p><p>The public comment period is open. Read NCRC&#8217;s full analysis and make your voice heard before the deadline: <a href=\"https:\/\/www.ncrc.org\/cra\">ncrc.org\/cra<\/a><\/p><p>#StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li>If you work in community development, affordable housing, small business lending or fair housing, the proposed 2026 CRA rule should concern you deeply.<p>Under the proposal, the large bank threshold rises to $10 billion. Banks below $1 billion would face no community development obligations at all. The banks in between $1 and $10 billion in assets would face a weaker combined test instead of the more rigorous separate evaluations the current rule requires. These banks would also no longer annually report their small business lending data.<\/p><p>The practical result: fewer banks accountable to more communities, with less data available to track whether the law is working.<\/p><p>As NCRC&#8217;s Jesse Van Tol put it: &#8220;CRA is supposed to put a thumb on the scale for working-class people. Now it lets hundreds of banks off the hook.&#8221;<\/p><p>If you agree, say so on the record. NCRC has everything you need to submit a comment, contact Congress and reach local leaders: ncrc.org\/cra<\/p><p>#StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li>Transparency is not a bureaucratic burden. It is how we know whether the law is working.<p>The proposed CRA rule would eliminate 11% of small business lending data nationwide. In six states \u2014 Iowa, Louisiana, Maine, Mississippi, North Dakota and South Dakota \u2014 roughly 25% of that data would disappear entirely. Hundreds of banks in the $412 million to $1 billion range would no longer be required to report small business lending at all.<\/p><p>Less data means less accountability. It means communities, researchers and advocates lose the ability to identify gaps and hold banks responsible for filling them.<\/p><p>This is the kind of change that does not make headlines but reshapes what is possible for years to come. The comment deadline is approaching. ncrc.org\/cra<\/p><p>#StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li>For practitioners, lenders, advocates and funders who believe in community reinvestment, here is what the proposed 2026 CRA rule means on the ground:<p>28 states would lose evaluations for at least one-third of their LMI-area bank branches.<\/p><p>22 states are at risk of losing oversight for at least one-third of branches in majority-people-of-color tracts<\/p><p>At least $2 billion in annual community development loans and investments is at risk of disappearing.<\/p><p>CRA was designed to correct discrimination called redlining that left entire neighborhoods without access to credit. The proposed rule does not fix those failures. It reduces the pressure on banks to address them.<\/p><p>NCRC has published a full breakdown of the rule&#8217;s impact. Read the analysis, use our interactive map to break down your state\u2019s impacts, and then share it with your networks and submit a comment before the deadline: ncrc.org\/cra<\/p><p>#StopCRARollback #CRAworks #JustEconomy<\/p><\/li><\/ol><\/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-9015\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-9015\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Sample X<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9015\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-9015\"><ol><li><p>@USOCC and @FDICgov want to let 800+ banks off the hook for investing in low- and moderate-income communities. That is not modernization. That is abandonment. Tell them no. ncrc.org\/cra #StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li><p>5,000 bank branches in low-income neighborhoods. 4,000 in majority communities of color. All losing federal accountability under the proposed CRA rule. @USOCC @FDICgov this is not acceptable. #StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li><p>CRA was passed in 1977 to end #redlining. From 2010-2024, it drove nearly $5 trillion in community investment. Now @USOCC and @FDICgov want to gut it. Submit your comment before the deadline: ncrc.org\/cra #StopCRARollback #CRAworks #JustEconomy<\/p><\/li><\/ol><\/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-9016\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-9016\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Sample Facebook<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9016\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-9016\"><ol><li><p>The OCC and FDIC are proposing changes to the Community Reinvestment Act that would let more than 800 banks stop investing in working-class communities. That is a 40% cut in the banks required to reinvest where they do business. CRA was passed in 1977 to end redlining. We cannot allow it to be dismantled quietly through a rulemaking. Submit your public comment now and share this post so others know what is at stake: ncrc.org\/cra #StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li><p>Banks are supposed to serve all communities where they do business. That is the whole point of the Community Reinvestment Act. But the proposed 2026 rule would raise asset thresholds so high that hundreds of banks no longer have community development obligations at all. Tell regulators we will not stand by while one of the landmark laws of the civil rights era gets hollowed out: ncrc.org\/cra #StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li><p>Under the proposed CRA rule, 5,000 branches in low- and moderate-income neighborhoods would lose separate accountability evaluations. Banks would still be present in these communities. They just would not be required to prove they are actually serving them. That is exactly what CRA was designed to prevent. The comment period is open now: ncrc.org\/cra #StopCRARollback #CRAworks #JustEconomy<\/p><\/li><li><p>From 2010-2024, CRA has helped generate nearly $5 trillion in qualified mortgages and small business loans in communities banks once refused to serve. The proposed rollback puts all of that at risk. We only have until the comment deadline to make our voices heard. Use the tools at the link below to tell regulators, your members of Congress and your local leaders: ncrc.org\/cra #StopCRARollback #CRAworks #JustEconomy<\/p><\/li><\/ol><\/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-9017\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-9017\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Sample Instagram<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9017\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-9017\"><ol><li><p>800+ banks. That is how many would lose community development obligations under the proposed CRA rule. A 40% cut in the banks required to invest in low- and moderate-income communities. This is not reform. It is a rollback. The comment period is open. Link in bio. #StopCRARollback #CRAworks #JustEconomy #CommunityReinvestment #FairLending #AffordableHousing #EconomicJustice<\/p><\/li><li><p>CRA was passed in 1977 to end redlining. From 2010-2024, it has helped drive nearly $5 trillion in mortgages and small business loans in communities banks once refused to serve. Now federal regulators want to weaken it. We cannot let that happen. Comment before the deadline. Link in bio. #StopCRARollback #CRAworks #JustEconomy #Redlining #FairLending #CommunityDevelopment<\/p><\/li><li><p>&#8220;CRA is supposed to put a thumb on the scale for working-class people. Now it lets hundreds of banks off the hook.&#8221; \u2014 Jesse Van Tol, NCRC President and CEO. The proposed 2026 CRA rule is a step backward for every community that depends on banks to show up. Tell regulators you oppose it. Link in bio. #StopCRARollback #CRAworks #JustEconomy #WorkingClass #CommunityReinvestment<\/p><\/li><li><p>5,000 branches in low-income neighborhoods losing federal oversight. This affects real people in real communities. Your comment matters. Deadline is approaching. Link in bio. #StopCRARollback #CRAworks #JustEconomy #TakeAction #FairLending<\/p><\/li><\/ol><\/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-9018\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-9018\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Graphics<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9018\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-9018\"><p>(Click on the image to download)<br \/><a href=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg\"><img decoding=\"async\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg\" alt=\"cra image\" width=\"300\" \/><\/a><\/p><p><a href=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/craworks_Insta.jpg\"><img decoding=\"async\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/craworks_Insta.jpg\" alt=\"cra image\" width=\"300\" \/><\/a><\/p><p><a href=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/protectcra.png\"><img decoding=\"async\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/protectcra.png\" alt=\"cra image\" width=\"300\" \/><\/a><\/p><p><a href=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/stop-cra-rollback-sm-1.jpg\"><img decoding=\"async\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/stop-cra-rollback-sm-1.jpg\" alt=\"cra image\" width=\"300\" \/><\/a><\/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-9019\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-9019\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Accounts to tag<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9019\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-9019\"><p><b>We&#8217;re counting on these people and organizations.<\/b><\/p><table style=\"width: 600px; font-size: medium;\"><tbody><tr style=\"background-color: #2fade3; color: #ffffff; font-size: medium; text-align: center;\"><td>\u00a0<\/td><td><strong>LinkedIn<\/strong><\/td><td><strong>X<\/strong><\/td><td><strong>Facebook<\/strong><\/td><td><strong>Instagram<\/strong><\/td><\/tr><tr><td><strong>NCRC<\/strong><\/td><td><a href=\"https:\/\/www.linkedin.com\/company\/national-community-reinvestment-coalition\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a><\/td><td><a href=\"https:\/\/x.com\/NCRC\">@NCRC<\/a><\/td><td><a href=\"https:\/\/www.facebook.com\/TheNCRC\" target=\"_blank\" rel=\"noopener\">@TheNCRC<\/a><\/td><td><a href=\"https:\/\/www.instagram.com\/justeconomy\/\" target=\"_blank\" rel=\"noopener\">@JustEconomy<\/a><\/td><\/tr><tr><td><strong>OCC<\/strong><\/td><td><a href=\"https:\/\/www.linkedin.com\/company\/office-of-the-comptroller-of-the-currency\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a><\/td><td><a href=\"https:\/\/x.com\/USOCC\">@USOCC<\/a><\/td><td><a href=\"https:\/\/www.facebook.com\/profile.php?id=100064588517973#\" target=\"_blank\" rel=\"noopener\">Facebook<\/a><\/td><td>\u00a0<\/td><\/tr><tr><td><strong>FDIC<\/strong><\/td><td><a href=\"https:\/\/www.linkedin.com\/company\/fdic\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a><\/td><td><a href=\"https:\/\/x.com\/FDICgov\">@FDICgovC<\/a><\/td><td><a href=\"https:\/\/www.facebook.com\/FDICgov\/\" target=\"_blank\" rel=\"noopener\">@FDICgov<\/a><\/td><td><a href=\"https:\/\/www.instagram.com\/fdicgov\/\" target=\"_blank\" rel=\"noopener\">@FDICgov<\/a><\/td><\/tr><tr><td><strong>FED<\/strong><\/td><td><a href=\"https:\/\/www.linkedin.com\/company\/federal-reserve-board\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a><\/td><td><a href=\"https:\/\/x.com\/federalreserve\">@FederalReserve<\/a><\/td><td><a href=\"https:\/\/x.com\/federalreserve\">@FederalReserve<\/a><\/td><td><a href=\"https:\/\/www.instagram.com\/federalreserveboard\/\" target=\"_blank\" rel=\"noopener\">@FederalReserveBoard<\/a><\/td><\/tr><\/tbody><\/table><\/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-90110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-90110\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">Contact local media<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-90110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-90110\"><p class=\"normal\"><b><span lang=\"EN\">Importance of local press<\/span><\/b><\/p><p>While many local news outlets continue to struggle, some are holding on and have attentive audiences. These local media providers can be an important channel to reach local supporters and leaders and an invaluable resource for community organizations trying to build momentum for a national law that seems at times more inside-the-beltway than community-focused. And for all the political games swirling around CRA reform right now \u2013 the people who will be most affected will be you and your neighbors. Let\u2019s work together to get the word out \u2013 we will not let CRA be gutted \u2013 and together we can start a new movement to further a just economy for all.<\/p><p>There are several ways to get your point of view into local media:<\/p><ul><li>Contact a reporter and encourage them to write a news story about CRA<\/li><li>Submit a guest column about CRA to an opinion section<\/li><li>Send a letter to the editor about CRA<\/li><li>Persuade an editorial board to write an editorial about CRA<\/li><\/ul><p class=\"normal\"><strong><span lang=\"EN\">\u00a0How to reach out:<\/span><\/strong><\/p><ol><li>Determine what local and regional media are available to you \u2013 online, newspapers, magazines, TV, radio, blogs, podcasts, Facebook, LinkedIn and Meetup groups. Even NextDoor or local email lists might be an option. Determine if they cover topics that fall under CRA (banking, lending, housing, community development, economic development, community benefits\u2026etc).<\/li><li>Find the appropriate reporter. It could be someone who covers local business and banking, or housing, development, urban renewal, poverty, discrimination or social services. Study their work. Find connections with your work.<br \/>Formulate your pitch. Send via email. Follow up by phone if you don\u2019t get a response. Being able to put your face with your name will help you build the relationship. Attend press events or ask to meet up for coffee and make your pitch then.<\/li><li>Local reporters are busy; they don\u2019t have a lot of time for coffee and conversation. When you get responses, be sure to respond asap.<br \/>If a reporter likes your pitch, be sure to help find sources and set up interviews, preferably with members of your organization and\/or community.<\/li><li>Once published, be sure to share far and wide with your entire network, including with NCRC.<\/li><\/ol><p><strong>Sample Pitch:<\/strong><\/p><p>Bank regulators in Washington have proposed rule changes to the Community Reinvestment Act, a law enacted in 1977 to get rid of discrimination that was once common in mortgage and small business lending by banks. Redlining was once widespread across America, and it happened here too. It kept capital out of neighborhoods where minorities and immigrants lived. CRA was passed to put a stop to that.<\/p><p>But discrimination in lending is still a problem. This law has a direct impact on [city \/ our community]. Our local banks make mortgage and small business loans, as well as grants to local nonprofits, in order to comply with the law. The proposed changes could have a big impact here, especially on low- and moderate-income people. Would you be interested in writing about this issue and why it matters to our community? If so, I\u2019d love to share more info with you.<\/p><p><strong>OpEd&#8217;s:<\/strong><\/p><p>OpEd\u2019s are another way to get local press coverage. Here you write an opinion piece and then shop it around to local papers and magazines. Most outlets have their own requirements, so be sure to check with them before you write and pitch your piece.<\/p><p><strong>Suggested Content:<\/strong><\/p><p>We suggest you start your OpEd off with local impacts. What has CRA done for your community in the past? How will the proposed changes halt these investments? Use our <a href=\"http:\/\/www.ncrc.org\/cra#map\">interactive map<\/a> to identify how your community will be impacted, and then use some of our talking points below to further bring home the point that these proposed changes are disastrous for our underserved communities.<\/p><p><strong>Proposed CRA Rule Changes Disastrous for <span style=\"background-color: lightblue;\">Your Community:<\/span><\/strong><\/p><p>All parties invested in the Community Reinvestment Act (CRA) \u2013 bankers, regulators, community leaders and watchdog groups \u2013 have agreed for some time that CRA was in need of modernization to reflect changes in how people access banking services today, as opposed to in 1977 when the act was first enacted. However, there is no doubt that the proposed changes from the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) would greatly diminish the effectiveness of the law and do a terrible job of addressing our mutual concerns. Instead, the agencies came up with ways for banks to do less for lower-income neighborhoods and borrowers, and a host of complex and confusing options.<\/p><p>When 98% of banks already pass their CRA exams, do we really need to make it easier for them? This is exactly what the rule proposed in July would do. The proposal would jeopardize more than 5,000 bank branches in low- and moderate-income communities or approximately 30% of all branches in those communities. Twenty-eight states could lose CRA scrutiny for at least one-third of their branches in low- and moderate-income tracts, and 22 states could lose it for at least one-third of branches in majority-people-of-color tracts.<\/p><p>It would raise the \u201csmall bank\u201d threshold from $412 million to $1 billion, eliminating community development evaluations for roughly 814 banks, or about 40% of the banks currently subject to that requirement. The share of all banks with community development responsibilities would fall from roughly half to less than one-third. It would also reclassify another 417 banks by raising the \u201cintermediate small bank\u201d threshold from $1.649 billion to $10 billion. As a result, only the largest 6% of banks would face separate reviews of their community development loans and investments and branch services, or CRA small-business loan reporting requirements.<\/p><p>The proposal would also eliminate 11% of CRA small-business lending data nationwide. Six states\u2014Iowa, Louisiana, Maine, Mississippi, North Dakota and South Dakota\u2014would lose nearly one-quarter of their data.<\/p><p>The proposal would also eliminate 11% of CRA small-business lending data nationwide. Six states\u2014Iowa, Louisiana, Maine, Mississippi, North Dakota and South Dakota\u2014would lose nearly one-quarter of their data.<\/p><p><span style=\"background-color: lightblue;\">[Use our <a href=\"http:\/\/www.ncrc.org\/cra#map\">interactive map<\/a> to see how your state will be affected by the proposed CRA rollbacks. Add that information here.]<\/span><\/p><p>There is no doubt that these proposed changes would diminish the effectiveness of a law that was desperately needed when it was enacted and which remains essential to ensure banks meet the credit needs of all communities where they take deposits, not just the wealthy ones.<\/p><p>The regulators violate cardinal principles of rulemaking in terms of both fulfilling their statutory responsibilities under CRA and not proposing a rule based on clear and transparent data analysis. The FDIC and OCC need to discard the notice of proposed rulemaking in order to prevent halting and reversing the progress that CRA has made in incentivising reinvestment in underserved communities.<\/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-90111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-90111\" 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-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/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-chevron-circle-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/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\">OpEd Examples<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-90111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-90111\"><p><strong>COMING SOON<\/strong><\/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<div class=\"elementor-element elementor-element-50ce130f elementor-widget elementor-widget-spacer\" data-id=\"50ce130f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-3ab8d85 e-con e-atomic-element e-flexbox-base e-03138a3 \" data-id=\"3ab8d85\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3ab8d85\" data-e-type=\"e-flexbox\" data-id=\"3ab8d85\">\n    \t\t<div class=\"elementor-element elementor-element-fbc3c5c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fbc3c5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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-34c0d88 elementor-widget elementor-widget-text-editor\" data-id=\"34c0d88\" 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>Keep up with the campaign to strengthen CRA.<\/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-a51ee9e elementor-widget elementor-widget-heading\" data-id=\"a51ee9e\" 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\">Sign up for updates<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6698a2d elementor-button-align-center elementor-invisible elementor-widget elementor-widget-form\" data-id=\"6698a2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"TreasureCRA Subscribe\" aria-label=\"TreasureCRA Subscribe\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"143763\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"6698a2d\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-75 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-7a50605 elementor-col-75 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-7a50605\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tFirst Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[7a50605]\" id=\"form-field-7a50605\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"First Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-712e0bb elementor-col-75 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-712e0bb\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tLast Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[712e0bb]\" id=\"form-field-712e0bb\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Last Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-6c0064d elementor-col-75 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-6c0064d\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tZip Code\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[6c0064d]\" id=\"form-field-6c0064d\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Zip Code\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-lg\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Subscribe<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\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-78df474 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"78df474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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-cd5c841 elementor-widget elementor-widget-heading\" data-id=\"cd5c841\" 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\">Learn More<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-9723d63 e-flex e-con-boxed e-con e-parent\" data-id=\"9723d63\" 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-c67af8f e-con-full e-flex e-con e-child\" data-id=\"c67af8f\" 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-b4477bd elementor-widget elementor-widget-heading\" data-id=\"b4477bd\" 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\">Reports<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-001ff8e 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=\"001ff8e\" 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-291075 post type-post status-publish format-standard has-post-thumbnail hentry category-policy category-views tag-crafeature tag-access-to-credit tag-affordable-housing tag-bank-accountability tag-community-development tag-community-reinvestment-act tag-cra tag-cra-articles tag-cra-feature tag-cra-featured tag-cra-news tag-cra-reports tag-craarticle tag-economic-development tag-fair-lending tag-fdic tag-feature tag-featured tag-lihtc tag-lmi tag-mortgage-loans tag-ncrc tag-occ tag-small-business-lending\" 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\/2026-cra-rollbacks\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg\" class=\"attachment-large size-large wp-image-291175\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1-300x150.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1-768x384.jpg 768w\" 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\/?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\/2026-cra-rollbacks\/\">\n\t\t\t\tThe Proposed 2026 CRA Rollbacks: Key Takeaways and Why it Matters\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-284487 post type-post status-publish format-standard has-post-thumbnail hentry category-research category-testimony tag-cra tag-cra-articles tag-cra-featured tag-cra-reports tag-feature 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\/making-cra-strategic-plans-work-a-framework-for-meaningful-community-reinvestment\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"414\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-1024x414.jpg\" class=\"attachment-large size-large wp-image-284522\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-1024x414.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-300x121.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-768x311.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-1536x621.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA.jpg 1800w\" 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\/?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\/making-cra-strategic-plans-work-a-framework-for-meaningful-community-reinvestment\/\">\n\t\t\t\tMaking CRA Strategic Plans Work: A Framework for Meaningful  Community Reinvestment\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-148086 post type-post status-publish format-standard has-post-thumbnail hentry category-policy category-research tag-community-reinvestment-act tag-cra-articles tag-cra-featured tag-cra-reports 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\/ncrcs-guide-to-the-2023-community-reinvestment-act-final-rule\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/12\/Feature-CRA-Analysis-1024x371.jpg\" class=\"attachment-large size-large wp-image-148251\" alt=\"Townhouses under construction\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/12\/Feature-CRA-Analysis-1024x371.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/12\/Feature-CRA-Analysis-300x109.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/12\/Feature-CRA-Analysis-768x279.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/12\/Feature-CRA-Analysis-1536x557.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/12\/Feature-CRA-Analysis.jpg 1800w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Kevin Hill' 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\/ncrcs-guide-to-the-2023-community-reinvestment-act-final-rule\/\">\n\t\t\t\tNCRC\u2019s Guide To The 2023 Community Reinvestment Act Final Rule\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-125014 post type-post status-publish format-standard has-post-thumbnail hentry category-research tag-cra-reports tag-feature tag-holc tag-redlining tag-redlining_report tag-research_report\" 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\/redlined-keybank-continues-to-fail-black-america-despite-its-commitments-to-improve\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Feature-KeyBank-1024x371.jpg\" class=\"attachment-large size-large wp-image-125964\" alt=\"Redlining Map image\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Feature-KeyBank-1024x371.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Feature-KeyBank-300x109.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Feature-KeyBank-768x279.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Feature-KeyBank-1536x557.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Feature-KeyBank-18x7.jpg 18w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Feature-KeyBank.jpg 1800w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Jason Richardson' 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\/redlined-keybank-continues-to-fail-black-america-despite-its-commitments-to-improve\/\">\n\t\t\t\tREDLINED: KeyBank Continues to Fail Black America Despite Its Commitments to Improve\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-123640 post type-post status-publish format-standard has-post-thumbnail hentry category-testimony tag-community-reinvestment-act tag-cra tag-cra-reform tag-cra-reports tag-featured tag-research_report tag-treasurecra-latest\" 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\/how-and-why-cra-reform-proposals-must-improve-access-to-credit-and-capital-for-small-businesses\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"469\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Dollars-v3-crop-sm-1024x469.jpg\" class=\"attachment-large size-large wp-image-123716\" alt=\"Small Business and CRA\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Dollars-v3-crop-sm-1024x469.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Dollars-v3-crop-sm-300x137.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Dollars-v3-crop-sm-768x351.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Dollars-v3-crop-sm-1536x703.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Dollars-v3-crop-sm-18x8.jpg 18w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/11\/Dollars-v3-crop-sm.jpg 1827w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Josh Silver' 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\/how-and-why-cra-reform-proposals-must-improve-access-to-credit-and-capital-for-small-businesses\/\">\n\t\t\t\tHow And Why\u00a0CRA\u00a0Reform Proposals Must Improve Access\u00a0To\u00a0Credit And Capital For Small 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-112704 post type-post status-publish format-standard has-post-thumbnail hentry category-research tag-community-reinvestment-act tag-cra-reports tag-economic-inequality tag-featured tag-health tag-health-equity tag-public-health tag-treasurecra-latest\" 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\/the-community-reinvestment-act-and-its-connections-to-health-outcomes\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2022\/04\/Healthy-Communityv2-small-1024x371.png\" class=\"attachment-large size-large wp-image-112722\" alt=\"Community Cover\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2022\/04\/Healthy-Communityv2-small-1024x371.png 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/04\/Healthy-Communityv2-small-300x109.png 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/04\/Healthy-Communityv2-small-768x279.png 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/04\/Healthy-Communityv2-small-1536x557.png 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2022\/04\/Healthy-Communityv2-small.png 1800w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Karen Kali and Samantha Autar' 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\/the-community-reinvestment-act-and-its-connections-to-health-outcomes\/\">\n\t\t\t\tThe Community Reinvestment Act and Its Connections to Health Outcomes\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-104058 post type-post status-publish format-standard has-post-thumbnail hentry category-research tag-treasurecra-2 tag-cra-reports tag-feature tag-featured tag-redlining tag-redlining_report tag-research_report tag-treasurecra-latest\" 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\/making-cra-relevant-for-a-changing-financial-services-industry\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2021\/10\/CRA-Changing-1800px-v1-1024x371.png\" class=\"attachment-large size-large wp-image-104164\" alt=\"main street usa\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2021\/10\/CRA-Changing-1800px-v1-1024x371.png 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/10\/CRA-Changing-1800px-v1-300x109.png 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/10\/CRA-Changing-1800px-v1-768x279.png 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/10\/CRA-Changing-1800px-v1-1536x557.png 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/10\/CRA-Changing-1800px-v1.png 1800w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Bruce C. Mitchell, Ph.D., Josh Silver' 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\/making-cra-relevant-for-a-changing-financial-services-industry\/\">\n\t\t\t\tMaking CRA Relevant for a Changing Financial Services Industry\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-103103 post type-post status-publish format-standard has-post-thumbnail hentry category-research tag-treasurecra-2 tag-cra-reports tag-redlining_report tag-research_report tag-wealth-reports\" 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\/adding-robust-consideration-of-race-to-community-reinvestment-act-regulations-an-essential-and-constitutional-proposal\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2021\/09\/CRA-Race-v1-1024x371.png\" class=\"attachment-large size-large wp-image-103098\" alt=\"CRA and Race image\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2021\/09\/CRA-Race-v1-1024x371.png 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/09\/CRA-Race-v1-300x109.png 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/09\/CRA-Race-v1-768x279.png 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/09\/CRA-Race-v1-1536x557.png 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2021\/09\/CRA-Race-v1.png 1800w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Brad Blower, General Counsel, NCRC; Josh Silver, Senior Policy Advisory, NCRC; Jason Richardson, Director of Research and Evaluation, NCRC; Glenn\u00a0Schlactus, Partner,\u00a0Relman\u00a0Colfax PLLC;\u00a0Sacha\u00a0Markano-Stark, Attorney,\u00a0Relman\u00a0Colfax PLLC' 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\/adding-robust-consideration-of-race-to-community-reinvestment-act-regulations-an-essential-and-constitutional-proposal\/\">\n\t\t\t\tAdding Robust Consideration of Race to Community Reinvestment Act Regulations: An Essential and Constitutional Proposal\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7c833b e-flex e-con-boxed e-con e-parent\" data-id=\"f7c833b\" 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-9d8f964 e-con-full e-flex e-con e-child\" data-id=\"9d8f964\" 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-1b6e5ae elementor-widget elementor-widget-heading\" data-id=\"1b6e5ae\" 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\">Articles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00c57f0 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=\"00c57f0\" 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-291722 post type-post status-publish format-standard hentry category-pr tag-cra-article tag-cra-articles tag-feature 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-rise-economy-and-374-organizations-call-on-fdic-occ-to-extend-cra-comment-period\/\">\n\t\t\t\tNCRC, Rise Economy and 374 Organizations Call On FDIC, OCC To Extend CRA Comment Period\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-291075 post type-post status-publish format-standard has-post-thumbnail hentry category-policy category-views tag-crafeature tag-access-to-credit tag-affordable-housing tag-bank-accountability tag-community-development tag-community-reinvestment-act tag-cra tag-cra-articles tag-cra-feature tag-cra-featured tag-cra-news tag-cra-reports tag-craarticle tag-economic-development tag-fair-lending tag-fdic tag-feature tag-featured tag-lihtc tag-lmi tag-mortgage-loans tag-ncrc tag-occ tag-small-business-lending\" 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\/2026-cra-rollbacks\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg\" class=\"attachment-large size-large wp-image-291175\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1-300x150.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1-768x384.jpg 768w\" 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\/?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\/2026-cra-rollbacks\/\">\n\t\t\t\tThe Proposed 2026 CRA Rollbacks: Key Takeaways and Why it Matters\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-286287 post type-post status-publish format-standard has-post-thumbnail hentry category-views tag-access-to-credit tag-banks tag-communities tag-community-development tag-community-reinvestment-act tag-cra tag-cra-articles tag-cra-featured tag-equitable-lending tag-fair-lending tag-featured tag-historic-redlining tag-housing-and-community-development-act tag-lmi tag-market-expansion tag-relationship-based-banking tag-small-business-lending\" 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\/the-community-reinvestment-act-is-a-strategic-opportunity-for-banks-not-a-regulatory-hurdle\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"601\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/04\/pexels-gabby-k-5849549-1024x601.jpg\" class=\"attachment-large size-large wp-image-286288\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/04\/pexels-gabby-k-5849549-1024x601.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/04\/pexels-gabby-k-5849549-300x176.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/04\/pexels-gabby-k-5849549-768x450.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/04\/pexels-gabby-k-5849549-1536x901.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/04\/pexels-gabby-k-5849549-scaled.jpg 1746w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Joshua Barclay, Simon Wang' 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\/the-community-reinvestment-act-is-a-strategic-opportunity-for-banks-not-a-regulatory-hurdle\/\">\n\t\t\t\tThe Community Reinvestment Act is a Strategic Opportunity for Banks, Not a Regulatory Hurdle\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-284487 post type-post status-publish format-standard has-post-thumbnail hentry category-research category-testimony tag-cra tag-cra-articles tag-cra-featured tag-cra-reports tag-feature 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\/making-cra-strategic-plans-work-a-framework-for-meaningful-community-reinvestment\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"414\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-1024x414.jpg\" class=\"attachment-large size-large wp-image-284522\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-1024x414.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-300x121.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-768x311.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA-1536x621.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/03\/Making-CRA.jpg 1800w\" 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\/?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\/making-cra-strategic-plans-work-a-framework-for-meaningful-community-reinvestment\/\">\n\t\t\t\tMaking CRA Strategic Plans Work: A Framework for Meaningful  Community Reinvestment\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-265718 post type-post status-publish format-standard has-post-thumbnail hentry category-policy category-views tag-bank-secrecy-act tag-climate-change tag-cra tag-cra-articles tag-cra-featured tag-cra-news tag-crypto tag-crypto-industry tag-debanking tag-discriminatory-banking-trends tag-economic-equality tag-equitable-community-development tag-feature tag-featured tag-home-financing tag-occ tag-redlining\" 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\/the-occs-debanking-pivot-is-another-veiled-attack-on-cra\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"571\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-1024x571.jpg\" class=\"attachment-large size-large wp-image-265723\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-1024x571.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-300x167.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-768x428.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-1536x856.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-2048x1142.jpg 1836w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-scaled.jpg 1837w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Kevin Hill' 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\/the-occs-debanking-pivot-is-another-veiled-attack-on-cra\/\">\n\t\t\t\tThe OCC\u2019s Debanking Pivot Is Another Veiled Attack on CRA\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-152520 post type-post status-publish format-standard has-post-thumbnail hentry category-policy category-views tag-bank-mergers tag-cra-articles tag-cra-featured tag-featured tag-federal-trade-commission tag-mergers tag-u-s-department-of-justice\" 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-summary-of-the-department-of-justice-and-federal-trade-commission-merger-guidelines\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2024\/01\/51981845304_fafb52856a_o-1024x683.jpg\" class=\"attachment-large size-large wp-image-152527\" alt=\"Federal Trade Commission chair Lina Khan\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2024\/01\/51981845304_fafb52856a_o-1024x683.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2024\/01\/51981845304_fafb52856a_o-300x200.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2024\/01\/51981845304_fafb52856a_o-150x100.jpg 150w, https:\/\/ncrc.org\/wp-content\/uploads\/2024\/01\/51981845304_fafb52856a_o-768x512.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2024\/01\/51981845304_fafb52856a_o-1536x1024.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2024\/01\/51981845304_fafb52856a_o.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Josh Silver' 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-summary-of-the-department-of-justice-and-federal-trade-commission-merger-guidelines\/\">\n\t\t\t\tAnalysis: How Community Groups Can Use The New FTC-DOJ Merger Guidelines To Advance The Just Economy\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<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"3\" data-next-page=\"https:\/\/ncrc.org\/cra\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span class=\"page-numbers prev\">&laquo; Previous<\/span>\n<a class=\"page-numbers next\" href=\"https:\/\/ncrc.org\/cra\/2\/\">Next &raquo;<\/a>\t\t<\/nav>\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<div class=\"elementor-element elementor-element-b7dadfb e-flex e-con-boxed e-con e-parent\" data-id=\"b7dadfb\" 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-a5a9c61 e-con-full e-flex e-con e-child\" data-id=\"a5a9c61\" 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-57f14c8 elementor-widget elementor-widget-heading\" data-id=\"57f14c8\" 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\">Videos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b821ef 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=\"8b821ef\" 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-137158 post type-post status-publish format-standard has-post-thumbnail hentry category-videos tag-conference tag-cra-videos\" 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\/video-michael-barr-federal-reserve-vice-chair-for-supervision-addresses-2023-just-economy-conference\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Barr_sm-1024x371.jpg\" class=\"attachment-large size-large wp-image-143840\" alt=\"Michael Barr\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Barr_sm-1024x371.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Barr_sm-300x109.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Barr_sm-768x279.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Barr_sm-1536x557.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Barr_sm.jpg 1800w\" 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\/?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\/video-michael-barr-federal-reserve-vice-chair-for-supervision-addresses-2023-just-economy-conference\/\">\n\t\t\t\tVideo: Michael Barr, Federal Reserve Vice Chair for Supervision, Addresses 2023 Just Economy Conference\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-137142 post type-post status-publish format-standard has-post-thumbnail hentry category-videos tag-banking-crisis tag-conference tag-cra-videos tag-fdic-chairman-martin-gruenberg\" 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\/video-fdic-chairman-martin-gruenberg-discusses-the-ongoing-banking-crisis-and-the-upcoming-final-rule-on-cra-reform\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Martin-Gruenberg_sm-1024x371.jpg\" class=\"attachment-large size-large wp-image-143842\" alt=\"Martin Gruenberg speaking\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Martin-Gruenberg_sm-1024x371.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Martin-Gruenberg_sm-300x109.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Martin-Gruenberg_sm-768x279.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Martin-Gruenberg_sm-1536x557.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Martin-Gruenberg_sm.jpg 1800w\" 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\/?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\/video-fdic-chairman-martin-gruenberg-discusses-the-ongoing-banking-crisis-and-the-upcoming-final-rule-on-cra-reform\/\">\n\t\t\t\tVideo:\u00a0FDIC Chairman Martin Gruenberg Discusses The Ongoing Banking Crisis And The Upcoming Final Rule On CRA Reform\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-137132 post type-post status-publish format-standard has-post-thumbnail hentry category-videos tag-cfpb tag-conference tag-cra-videos tag-rohit-chopra\" 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\/video-rohit-chopra-keynote-address-at-2023-just-economy-conference\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Rohit-Chopra-_.smjpg_-1024x371.jpg\" class=\"attachment-large size-large wp-image-143843\" alt=\"Rohit Chopra Speaker\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Rohit-Chopra-_.smjpg_-1024x371.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Rohit-Chopra-_.smjpg_-300x109.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Rohit-Chopra-_.smjpg_-768x279.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Rohit-Chopra-_.smjpg_-1536x557.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/03\/Feature-Rohit-Chopra-_.smjpg_.jpg 1800w\" 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\/?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\/video-rohit-chopra-keynote-address-at-2023-just-economy-conference\/\">\n\t\t\t\tVideo: CFPB Director Rohit Chopra Announces Section 1071 Final Rule At 2023 Just Economy Conference\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8712759 e-flex e-con-boxed e-con e-parent\" data-id=\"8712759\" 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-51291b0 e-con-full e-flex e-con e-child\" data-id=\"51291b0\" 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-efee4a7 elementor-widget elementor-widget-heading\" data-id=\"efee4a7\" 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-b040121 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=\"b040121\" 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-291075 post type-post status-publish format-standard has-post-thumbnail hentry category-policy category-views tag-crafeature tag-access-to-credit tag-affordable-housing tag-bank-accountability tag-community-development tag-community-reinvestment-act tag-cra tag-cra-articles tag-cra-feature tag-cra-featured tag-cra-news tag-cra-reports tag-craarticle tag-economic-development tag-fair-lending tag-fdic tag-feature tag-featured tag-lihtc tag-lmi tag-mortgage-loans tag-ncrc tag-occ tag-small-business-lending\" 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\/2026-cra-rollbacks\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg\" class=\"attachment-large size-large wp-image-291175\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1-300x150.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/08\/CRAWORKS-blog-1-768x384.jpg 768w\" 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\/?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\/2026-cra-rollbacks\/\">\n\t\t\t\tThe Proposed 2026 CRA Rollbacks: Key Takeaways and Why it Matters\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-265718 post type-post status-publish format-standard has-post-thumbnail hentry category-policy category-views tag-bank-secrecy-act tag-climate-change tag-cra tag-cra-articles tag-cra-featured tag-cra-news tag-crypto tag-crypto-industry tag-debanking tag-discriminatory-banking-trends tag-economic-equality tag-equitable-community-development tag-feature tag-featured tag-home-financing tag-occ tag-redlining\" 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\/the-occs-debanking-pivot-is-another-veiled-attack-on-cra\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"571\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-1024x571.jpg\" class=\"attachment-large size-large wp-image-265723\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-1024x571.jpg 1024w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-300x167.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-768x428.jpg 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-1536x856.jpg 1536w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-2048x1142.jpg 1836w, https:\/\/ncrc.org\/wp-content\/uploads\/2025\/09\/pexels-expect-best-79873-351264-scaled.jpg 1837w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Kevin Hill' 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\/the-occs-debanking-pivot-is-another-veiled-attack-on-cra\/\">\n\t\t\t\tThe OCC\u2019s Debanking Pivot Is Another Veiled Attack on CRA\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-144193 post type-post status-publish format-standard has-post-thumbnail hentry category-views tag-cra-articles tag-cra-news tag-events tag-michael-barr\" 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\/questions-about-the-new-cra-rules-join-ncrc-for-a-conversation-with-federal-reserve-vice-chair-for-supervision-michael-barr\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"470\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/10\/Barr-eventbrite-11.3.23.jpg\" class=\"attachment-large size-large wp-image-144197\" alt=\"\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2023\/10\/Barr-eventbrite-11.3.23.jpg 940w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/10\/Barr-eventbrite-11.3.23-300x150.jpg 300w, https:\/\/ncrc.org\/wp-content\/uploads\/2023\/10\/Barr-eventbrite-11.3.23-768x384.jpg 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><\/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\/questions-about-the-new-cra-rules-join-ncrc-for-a-conversation-with-federal-reserve-vice-chair-for-supervision-michael-barr\/\">\n\t\t\t\tQuestions About The New CRA Rules? Join NCRC For A Conversation With Michael Barr, Martin Gruenberg And Michael Hsu\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-144117 post type-post status-publish format-standard hentry category-pr tag-community-reinvestment-act tag-cra tag-cra-featured tag-cra-news tag-featured tag-treasurecra tag-treasurecra-latest\" 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-statement-on-final-cra-rules-release\/\">\n\t\t\t\tNCRC Statement On Final CRA Rules Release\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-139556 post type-post status-publish format-standard hentry category-press tag-cra-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\/maryland-matters-advocates-a-maryland-community-reinvestment-act-needed-to-invest-in-underserved-communities\/\">\n\t\t\t\tMaryland Matters: Advocates: A Maryland Community Reinvestment Act needed to invest in 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-139456 post type-post status-publish format-standard hentry category-press tag-cra-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-after-buying-bank-accused-of-redlining-cadence-gets-top-cra-score\/\">\n\t\t\t\tAmerican Banker: After Buying Bank Accused Of Redlining, Cadence Gets Top CRA Score\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-137496 post type-post status-publish format-standard hentry category-press tag-cra-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\/the-regulatory-review-regulators-propose-updates-to-community-reinvestment-act-rules\/\">\n\t\t\t\tThe Regulatory Review: Regulators Propose Updates To Community Reinvestment Act Rules\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-136087 post type-post status-publish format-standard hentry category-press tag-cra-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-the-cra-has-little-impact-on-household-credit-can-regulators-change-that\/\">\n\t\t\t\tAmerican Banker: The CRA Has Little Impact On Household Credit. Can Regulators Change That?\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cf3f29 e-flex e-con-boxed e-con e-parent\" data-id=\"5cf3f29\" 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-7e50418 elementor-widget elementor-widget-heading\" data-id=\"7e50418\" 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-09f82f8 e-con-full e-flex e-con e-child\" data-id=\"09f82f8\" 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-5c5c2e5 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=\"5c5c2e5\" 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:\/\/www.federalreserve.gov\/consumerscommunities\/cra_about.htm\" target=\"_blank\" rel=\"noopener\">\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\/Fed-logo-v1.jpg);\" role=\"img\" aria-label=\"Federal Reserve logo\"><\/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<h4 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tWhat is the Community Reinvestment Act (CRA)?\t\t\t\t\t<\/h4>\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-72fcac4 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=\"72fcac4\" 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:\/\/www.occ.treas.gov\/topics\/consumers-and-communities\/cra\/index-cra.html\" target=\"_blank\" rel=\"noopener\">\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\/10\/OCC-logo-v2b.jpg);\" role=\"img\" aria-label=\"OCC logo v2b\"><\/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<h4 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tCommunity Reinvestment Act (CRA)\t\t\t\t\t<\/h4>\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-9dd0696 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=\"9dd0696\" 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:\/\/www.fdic.gov\/regulations\/resources\/director\/presentations\/CRA.pdf\" target=\"_blank\" rel=\"noopener\">\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\/10\/FDIC-logo.jpg);\" role=\"img\" aria-label=\"FDIC logo\"><\/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<h4 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tCommunity Reinvestment Act (pdf)\t\t\t\t\t<\/h4>\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-aa25e28 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=\"aa25e28\" 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<div class=\"elementor-cta\">\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-deb287d e-flex e-con-boxed e-con e-parent\" data-id=\"deb287d\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8fd80c8 e-flex e-con-boxed e-con e-parent\" 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The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) recently announced a proposed Community Reinvestment Act (CRA) rule that would weaken bank obligations to invest, lend and<\/p>\n","protected":false},"author":932,"featured_media":0,"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":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","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":"disabled","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":"set","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-143763","page","type-page","status-publish","hentry"],"acf":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"NCRC","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"Stop CRA ROLLBACK Keep Banks Accountable To Communities With A Strong CRA Keep Up Get NCRC news and alerts by email. 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