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 40: It’s National Financial Capability Month…Where Do I Begin? April 1st marked the start of National Financial Capability Month, a month during which organizations (especially financial institutions!) across the country focus on supporting programs that...
The CRA Tips

CRA Podcast Episodes

https://cratoday.com/wp-content/uploads/2022/04/CRA-Episode-14_1.mp3 “11% of students from low-income households graduate college,” says Abby Coyle. As a former educator for Teachers for America, Abby realized the equity gap in the education system. To close the gap,...
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,...