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Community Reinvestment Act (CRA)

The Federal Reserve Bank of St. Louis’ CRA Team is a partnership between the Bank’s Community Development department and Consumer Affairs examination function. Our cross-functional team of experienced Community Development advisors and Consumer Affairs examiners is dedicated to seeking out performance context information related to how banks respond to the credit and financial services needs of low- and moderate-income (LMI) communities in the Eighth District. The team conducts community contact interviews to gather information and then prepares written content for examiners’ use during CRA evaluations.

The team also relies on this information to guide its development of technical assistance, training and other programs to improve CRA awareness and utilization among financial institutions, community development organizations, government entities and policymakers.

The CRA team’s goal in providing technical assistance and sharing promising practices is to open the door to partnerships for lending, investments and services between funders and community development organizations that address the needs of LMI geographies, individuals and families, and small businesses and farms.

Below you will find CRA resources from across the Federal Reserve System. In addition, the Federal Financial Institutions Examination Council (FFIEC) website houses information related to public reports on bank examinations, CRA Questions and Answers (which clarify various aspects of the CRA) and other important resources.

Please note: Financial institutions should consider the information presented here in context of requirements or guidance of their primary regulator and the business needs of their financial institution.

Investment Connection

Investment Connections

Investment Connection brings together nonprofit organizations, bankers, foundations, and public and private funders to meet and explore community development opportunities in the areas they serve, especially those in low- and moderate-income, distressed and underserved communities. The program is designed to help match funders with organizations seeking funding (investments, grants, loans or services) for Community Reinvestment Act (CRA)-eligible projects/programs.

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