What’s a Capital Stack and How Does it Work?

What’s a Capital Stack and How Does it Work?

At some point in your journey as a Community Reinvestment Act (CRA) officer, you will likely find yourself involved in a community-based public-private partnership economic development project. When this happens, your bank may have the opportunity to finance the...
The CRA Tips

The CRA Tips

Episode 46: What exactly is the BLS and how does it relate to the CRA? So many of you have asked “what exactly is BLS (hint, it is the Bureau of Labor Statistics) and how should I use it to support my CRA program?” Well this month in the CRA Hub,...
The CRA Tips

CRA Podcast Episodes

https://cratoday.com/wp-content/uploads/2022/10/2022.September-Joshua-Kummer-Bankers-Trust-Revised.mp3 Joshua shares his work as the bank’s Fair Banking Officer, including CRA, Fair Lending, HMDA, and Complaint Management. You will find Joshua to be very...
Consumer Loans and the CRA: Weigh Your Options Carefully!

Consumer Loans and the CRA: Weigh Your Options Carefully!

As a CRA officer, you know how important it is to get consideration under the CRA for as many loans, services, and investments as possible. This means that some banks like to include their consumer loans under their lending performance during a CRA exam. While this...
Want a Smooth CRA Exam? Appoint an Exam Liaison

Want a Smooth CRA Exam? Appoint an Exam Liaison

What was your last CRA exam like? Did it run perfectly smoothly? Did you hand your CRA examiners your self-assessment, shake hands, and tell them you’ll see them next exam?  Probably not. Chances are it was a hectic week of pulling reports, responding to questions,...