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Community Reinvestment Act (CRA) - Data/Research


5th District Footprint: The Community Reinvestment Act and Medically Underserved Areas /Populations in the Fifth District

This issue of 5th District Footprint examines Fifth District census tracts eligible for Community Reinvestment Act (CRA) investment and designated as Medically Underserved Areas/Populations (MUA/Ps) by the Health Resources and Services Administration (HRSA).

Bank’s Community Reinvestment Act (CRA) Opportunities for Promoting Job Creation, Workforce Development, and Place-Based Investment

This report summarizes innovative activities from banks’ Community Reinvestment Act (CRA) performance evaluations in the areas of job creation, education and workforce development, and transportation and affordable housing. By providing real-world examples of situations in which banks received CRA credit in these areas, we hope other banks will consider pursuing similar opportunities in the areas they serve for which they can receive CRA consideration, thus promoting economic growth and prosperity in these communities.

Investing in America’s Workforce: Report on Workforce Development Needs and Opportunities

"Investing in America’s Workforce: Report on Workforce Development Needs and Opportunities" analyzes information gathered from nearly 1,000 leaders who work at the intersection of workforce training, recruitment, and finance. The study provides a current snapshot of the workforce development sector and its key challenges. It offers strategies for improving the human capital of America’s labor force, expanding access to jobs, and innovating workforce development funding.

Broadband and High-speed Internet Access in the Fourth District

How accessible is high-speed internet across the Fourth District states of Kentucky, Ohio, Pennsylvania, and West Virginia? Two Cleveland Fed researchers examine through analysis and maps what's being considered a new form of infrastructure.

As Branches Decline, How Do Bankers Continue to Comply with CRA?

Recent revisions to regulatory guidance do not strip the bank branch of its importance for achieving compliance with the Community Reinvestment Act. A Cleveland Fed writer examines the interaction between regulators and bankers as financial institutions are serving communities in increasingly digital ways.

Closing the Digital Divide: A Framework for Meeting CRA Obligations

Access to broadband has become an essential component of economic opportunity and financial well-being, yet there is a significant digital divide in many underserved communities.This Dallas Fed publication is a practical guide for financial institutions that shows how digital inclusion can improve the lives of low- and moderate-income individuals who have limited access to broadband infrastructure. It presents best practices and information on lending, services and investments that can help close the digital divide and contribute to an inclusive and vibrant entrepreneurial economy.

Residential Mortgage Lending for Underserved Communities: Recent Innovations

Given changing regulatory and market factors in mortgage finance, the time is ripe for innovation, and it behooves policymakers, business leaders, and communities to consider potential alternatives to traditional mortgages. In this 2016 ProfitWise New and Views article, the Chicago Fed’s Community Development and Policy Studies (CDPS) Division explores five innovative products in the residential mortgage marketplace – some already in place, others in progress.  

St. Louis Fed 2015 Community Development Outlook Survey

The St. Louis Fed’s annual Community Development Outlook Survey gathers input from a variety of stakeholders regarding the economic conditions of low- and moderate-income (LMI) households and communities in the seven states that make up the Fed’s Eighth District. Data from the survey is used to inform strategic planning, community and economic development, and public policy dialogue around issues and challenges for the District’s LMI areas.

Community Pulse: 2015 Survey Results

Community Pulse presents the findings from a 2015 survey that identified the most pressing current and emerging issues in the Fifth Federal Reserve District. More than 300 community development experts from Maryland, North Carolina, South Carolina, Virginia, West Virginia and the District of Columbia shared their perspectives on the issues that their communities are facing.

Analysis of Community Development Needs and Opportunities in Los Angeles County

The opportunities and challenges in a given community are complex, and to understand them requires a thorough assessment of data intertwined with the voices of local businesses, non-profits, and residents. Using Los Angeles as an example, this analysis from the SF Fed incorporates quantitative and qualitative data to holistically assess a county’s needs. 

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