{"id":63692,"date":"2026-08-01T03:00:16","date_gmt":"2026-08-01T01:00:16","guid":{"rendered":"https:\/\/housesmarketplace.com\/regulators-move-to-narrow-cra-drawing-fire-from-advocates\/"},"modified":"2026-08-01T03:00:16","modified_gmt":"2026-08-01T01:00:16","slug":"regulators-move-to-narrow-cra-drawing-fire-from-advocates","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/regulators-move-to-narrow-cra-drawing-fire-from-advocates\/","title":{"rendered":"Regulators move to narrow CRA, drawing fire from advocates"},"content":{"rendered":"
\n

Federal banking regulators released a Community Reinvestment Act (CRA<\/a>) proposal Friday that narrows how banks earn credit for community development while raising asset thresholds for small and midsized institutions. The plan drew immediate criticism from consumer and housing advocates.<\/p>\n

The \u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u0430\u044f \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0446\u0438\u044f \u043f\u043e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044e \u0432\u043a\u043b\u0430\u0434\u043e\u0432. <\/strong>(FDIC) \u0438 \u0423\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0434\u0435\u043d\u0435\u0436\u043d\u043e\u0433\u043e \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u0435\u0440\u0430<\/strong> (OCC) issued a notice of proposed rulemaking (NPR) that they say is designed to refocus on the statutory objectives, ensure grants reach communities, cut compliance burdens and provide greater clarity around CRA evaluations. Comments are due 60 days after publication in the Federal Register.<\/p>\n

Under the proposal, banks<\/a> would still be evaluated under performance tests tied to their size, business model or an approved strategic plan. But the framework would more explicitly center on lending activity<\/a> \u2014 which the agencies said is how a community\u2019s credit needs are best met \u2014 while moving away from deposit products.<\/p>\n

Lindsey Johnson, president and CEO of the \u0410\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u0438\u0440\u043e\u0432<\/strong> (CBA), said in a statement that banks should receive CRA consideration for \u201cresponsibly providing loans, investing in their communities, supporting affordable housing, financing small businesses, and helping consumers achieve financial security.\u201d<\/p>\n

Johnson added that CBA \u201cfirmly believes that any new CRA rule should be finalized with the intention of establishing a durable regime with objective approaches grounded in statute that will last through administration shifts.\u201d<\/p>\n

Stricter grants<\/h2>\n

A central point of contention is how the proposal treats community development (CD) grants and operating support. The FDIC<\/a> \u0438 OCC<\/a> want to tighten CRA credit so that dollars are more clearly tied to projects where community development is the primary purpose.<\/p>\n

For large banks with more than $10 billion in assets, the proposal would cap at 15% the share of a grant or donation that can be used for indirect or administrative costs by the recipient.<\/p>\n

\u0414\u044d\u0432\u0438\u0434 \u041c. \u0414\u0432\u043e\u0440\u043a\u0438\u043d<\/a>, \u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0438 \u0433\u0435\u043d\u0435\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 National Housing Conference (<\/strong>NHC), called the proposal\u2019s approach to grants and operating support \u201cparticularly concerning.\u201d He said it would restrict CRA consideration for private-sector operating support and likely reduce funding for Community Development Financial Institutions (CDFIs<\/a>), affordable housing organizations, homeownership counselors, fair housing groups and other nonprofits.<\/p>\n

\u201cThese organizations play an essential role in helping families achieve homeownership, expanding access to affordable housing, combating housing \u0434\u0438\u0441\u043a\u0440\u0438\u043c\u0438\u043d\u0430\u0446\u0438\u044f<\/a>, and ensuring that community development investments deliver lasting results,\u201d Dworkin said in a statement.<\/p>\n

Higher asset thresholds<\/h2>\n

The proposal would significantly increase the size thresholds that determine how banks are evaluated under CRA.<\/p>\n