Editing Community Reinvestment Act (section)

===Regulations===
The same banking agencies that are responsible for supervising depository institutions are also the agencies that conduct examinations for CRA compliance.<ref name="FBAdefinition">[https://www.law.cornell.edu/uscode/text/12/1813-#z The Federal Banking Agency as defined under 12 U.S.C. 1813(z)]</ref> These agencies are the [[Federal Reserve System]] (FRB), the FDIC, and the [[Office of the Comptroller of the Currency]] (OCC). In 1981, to help achieve the goals of the CRA, each of the Federal Reserve Banks established a Community Affairs Office to work with banking institutions and the public in identifying credit needs within the community and ways to address those needs.<ref name="St. Louis Fed"/>

Implementation of the CRA by these financial supervisory agencies is enacted by Title 12 of the [[Code of Federal Regulations]] (CFR); Parts 25, 228, 345, and 563e with the addition of Part 203 as it relates to sections of the [[Home Mortgage Disclosure Act]] (HMDA).<ref name="FFIECregs">[http://www.ffiec.gov/cra/regulation.htm FFIEC Links to Federal Agency's CRA Regulations]</ref>

{| class="wikitable" style="font-size:98%; margin: 1em auto; background:white; id:Table I"
|+ Table I. - Federal Agencies and the CRA's Corresponding CFR
! Federal Financial Supervisory Agency || Code of Federal Regulations || [[Code of Federal Regulations|''e''-CFR]] || Notes || [[#Regulatory changes 1995|1995]] || [[#Regulatory changes 2005|2005]]
|-
| Office of the Comptroller of the Currency (OCC)
| 12. C.F.R. Part 25. ''et seq''.
| <ref name="12CFR25">{{cite web|url=http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&tpl=/ecfrbrowse/Title12/12cfr25_main_02.tpl|title=Community Reinvestment Act and Interstate Deposit Production Regulations|work=Code of Federal Regulations, Title 12, Chapter I, Part 25|publisher=gpoaccess.gov|access-date=2009-04-16|archive-url=https://web.archive.org/web/20080605080140/http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=cd214ac86b0ac3af703925df92c035d0&tpl=%2Fecfrbrowse%2FTitle12%2F12cfr25_main_02.tpl|archive-date=2008-06-05|url-status=dead}}</ref>
| <ref name="OCC-CRA">{{cite web|url=http://www.occ.treas.gov/crainfo.htm|title=Community Reinvestment Act (CRA) Information|publisher=Office of the Comptroller of the Currency (OCC) |access-date=2009-04-16}}</ref>
| <ref name="FR22178">{{cite web|url=http://www.gpo.gov/fdsys/search/citation.result.FR.action?federalRegister.volume=1995&federalRegister.page=22178&publication=FR|title=OCC Regulations (1995)|work=Federal Register - Vol. 60, No. 86|page=22178|date=1995-05-04|publisher=gpoaccess.gov|access-date=2009-04-16}}</ref>
| <ref name="OCC_2005-28">{{cite web|url=http://www.occ.gov/ftp/bulletin/2005-28.txt |title=Community Reinvestment Act Regulations (2005) for OCC|work=Press Release|date=2005-08-24 |publisher=OCC |access-date=2009-04-26}}</ref><ref name="FR44266">{{cite web|url=http://www.gpo.gov/fdsys/search/citation.result.FR.action?federalRegister.volume=2005&federalRegister.page=44266&publication=FR|title=OCC Regulations (2005)|work=Federal Register - Vol. 70, No. 147|page=44266|date=2005-08-02|publisher=gpoaccess.gov|access-date=2009-04-26}}</ref>
|-
| rowspan=2 valign="top" | Federal Reserve System (FRB)
| 12. C.F.R. Part 228. ''et seq''.
| <ref name="12CFR228">{{cite web|url=http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&tpl=/ecfrbrowse/Title12/12cfr228_main_02.tpl|title=Community Reinvestment (Regulation BBP)|work=Code of Federal Regulations, Title 12, Chapter II, Subchapter A, Part 228|publisher=gpoaccess.gov|access-date=2009-04-16|archive-url=https://web.archive.org/web/20090202173422/http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=635f26c4af3e2fe4327fd25ef4cb5638&tpl=%2Fecfrbrowse%2FTitle12%2F12cfr228_main_02.tpl|archive-date=2009-02-02|url-status=dead}}</ref>
| <ref name="FRB-CRA">{{cite web|url=http://www.federalreserve.gov/dcca/cra|title=Community Reinvestment Act|publisher=Federal Reserve Board|access-date=2009-04-16}}</ref>
| <ref name="FR22189">{{cite web|url=http://www.gpo.gov/fdsys/search/citation.result.FR.action?federalRegister.volume=1995&federalRegister.page=22189&publication=FR|title=Federal Reserve Regulations (1995) pt. 1|work=Federal Register - Vol. 60, No. 86|page=22189|date=1995-05-04|publisher=gpoaccess.gov|access-date=2009-04-16}}</ref>
| <ref name="FR44267">{{cite web|url=http://www.gpo.gov/fdsys/search/citation.result.FR.action?federalRegister.volume=2005&federalRegister.page=44267&publication=FR|title=Federal Reserve Regulations (2005)|work=Federal Register - Vol.70, No. 147|page=44267|date=2005-08-02 |publisher=gpoaccess.gov|access-date=2009-04-26}}</ref>
|-
| 12. C.F.R. Part 203. ''et seq''.
| <ref name="12CFR203">{{cite web|url=http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&tpl=/ecfrbrowse/Title12/12cfr203_main_02.tpl|title=Home Mortgage Disclosure (Regulation C)|work=Code of Federal Regulations, Title 12, Chapter II, Subchapter A, Part 203|publisher=gpoaccess.gov|access-date=2009-04-16|archive-url=https://web.archive.org/web/20090202174002/http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=635f26c4af3e2fe4327fd25ef4cb5638&tpl=%2Fecfrbrowse%2FTitle12%2F12cfr203_main_02.tpl|archive-date=2009-02-02|url-status=dead}}</ref>
| <ref name="FRB-HMDA">{{cite web|url=http://www.ffiec.gov/hmda/history.htm|title=Home Mortgage Disclosure Act (HMDA) Information|publisher=Federal Financial Institutions Examination Council (FFIEC)|access-date=2009-04-16}}</ref>
| <ref name="FR22223">{{cite web|url=http://www.gpo.gov/fdsys/search/citation.result.FR.action?federalRegister.volume=1995&federalRegister.page=22223&publication=FR|title=Federal Reserve Regulations (1995) pt. 2|work=Federal Register - Vol. 60, No. 86|page=22223|date=1995-05-04|publisher=gpoaccess.gov|access-date=2009-04-16}}</ref>
| 
|-
| Federal Deposit Insurance Corporation (FDIC)
| 12. C.F.R. Part 345. ''et seq''.
| <ref name="12CFR345">{{cite web|url=http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&tpl=/ecfrbrowse/Title12/12cfr345_main_02.tpl|title=Community Reinvestment ''(for the FDIC)''|work=Code of Federal Regulations, Title 12, Chapter III, Subchapter B, Part 345|publisher=gpoaccess.gov|access-date=2009-04-16|archive-url=https://web.archive.org/web/20100609173011/http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=074a9f4b779a90aa76481e4fe00fedbf&tpl=%2Fecfrbrowse%2FTitle12%2F12cfr345_main_02.tpl|archive-date=2010-06-09|url-status=dead}}</ref>
| <ref name="FDIC-CRA">{{cite web|url=http://www.fdic.gov/regulations/community/performance/index.html|title=Community Reinvestment Act (CRA) Background|publisher=Federal Deposit Insurance Corporation (FDIC)|access-date=2009-04-17}}</ref>
| <ref name="FR22201">{{cite web|url=http://www.gpo.gov/fdsys/search/citation.result.FR.action?federalRegister.volume=1995&federalRegister.page=22201&publication=FR|title=FDIC Regulations (1995)|work=Federal Register - Vol. 60, No. 86|page=22201|date=1995-05-04|publisher=gpoaccess.gov|access-date=2009-04-16}}</ref>
| <ref name="FDIC_FIL-33-2006">{{cite web|url=http://www.fdic.gov/news/news/financial/2006/fil06033.html|title=Community Reinvestment Act Interagency Examination Procedures|publisher=Federal Deposit Insurance Corporation|date=2006-04-10|access-date=2009-04-26|archive-date=2009-05-13|archive-url=https://web.archive.org/web/20090513020057/http://www.fdic.gov/news/news/financial/2006/fil06033.html|url-status=dead}}</ref><ref name="FR44269">{{cite web|url=http://www.gpo.gov/fdsys/search/citation.result.FR.action?federalRegister.volume=2005&federalRegister.page=44269&publication=FR|title=FDIC Regulations (2005)|work=Federal Register - Vol. 70, No. 147|page=44269|date=2005-08-02|publisher=gpoaccess.gov|access-date=2009-04-26}}</ref>
|}

The [[Federal Financial Institutions Examination Council]] (FFIEC) coordinates inter-agency information about the CRA.<ref name="FFIECregs"/><ref name="FFIECreporter">[http://www.ffiec.gov/cra/reporter.htm Federal financial supervisory agencies reporting CRA data to the FFIEC]</ref> Information about the CRA ratings of individual banking institutions from the three responsible agencies (Federal Reserve, FDIC, and OCC), is publicly available from the website of the FFIEC.<ref>[http://www.ffiec.gov/craratings/default.aspx FFIEC Interagency CRA Rating Search]</ref> These ratings were first made available by the Clinton administration to enable public participation and public comment on CRA performance.<ref name="PressBrief">{{cite web|title=White House Press Briefing on Community Reinvestment Act Reform Progress|url=http://clinton6.nara.gov/1993/12/1993-12-08-briefing-by-bentsen-and-rubin.text.html|date=1993-12-08|publisher=National Archives and Records Administration|work=Clinton Presidential Materials Project, White House Virtual Library|access-date=2009-04-17|archive-url=https://web.archive.org/web/20161219181923/https://clinton6.nara.gov/1993/12/1993-12-08-briefing-by-bentsen-and-rubin.text.html|archive-date=2016-12-19|url-status=dead}}</ref>

In addition to the regulatory framework in place, each federal financial supervisory agency's Inspector General performs regular audits on any regulatory changes made to see if the intended goals are actually being fulfilled.<ref name="OIG_FDIC-2005">{{cite web|title=FDIC's Implementation of the 2005 Amendments to the Community Reinvestment Act Regulations|url=http://www.fdicig.gov/reports07/07-008-508.shtml|date=2007-04-23|publisher=FDIC Inspector General|work=Office of the Inspector General|access-date=2009-05-07|archive-url=https://web.archive.org/web/20090813110515/http://fdicig.gov/reports07/07-008-508.shtml|archive-date=2009-08-13|url-status=dead}}</ref>