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Today is: October 20, 2018  

Compliance Companion®
Standard Proceedure Manuals (SPM)

Community Reinvestment Act May 2016

Our Community Reinvestment Act Manual is a comprehensive guide to compliance with the CRA regulations. It provides separate discussions of the various performance evaluation methods, the Strategic Plan option, assessment area delineation, performance context for evaluations, and the public CRA disclosure requirements. The Manual describes the Lending Test for small institutions, the Community Development Test for intermediate small institutions, the Community Development Test for wholesale and limited purpose institutions, and guides large institutions through the Lending, Investment and Service Test criteria, as well as the related data collection and reporting requirements. In addition, the CRA Sunshine Regulations are discussed. There is also a section on the current Home Mortgage Disclosure Act and Regulation C and a new section on the upcoming changes to Regulation C that will be implemented in 2017 and 2018 and beyond.

The Manual includes detailed information regarding –

  • Preparing for your next CRA examination
  • CRA resources
  • Developing an institution’s performance context
  • How to delineate an assessment area
  • Small institution and intermediate small institution performance standards
  • Large institution performance standards
  • Community development test for wholesale and limited-purpose institutions
  • Strategic plan option and why every institution should consider adopting one
  • Data collection and reporting requirements for large institutions
  • Public CRA disclosure rules, including the required contents of a CRA public file
  • CRA sunshine regulations
  • HMDA and Regulation C – both the pre-2017 version and the new rules going into effect in 2017 and 2018, including the new coverage rules for lenders and the new data elements to be collected

The text of this Manual is 399 pages, plus 56 pages of appendices.



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