September 17, 2026, Shelterforce, What’s At Risk Under The CRA Proposal How Communities Can Respond

According to preliminary analysis by the National Community Reinvestment Coalition (NCRC), where I serve as president and CEO, the proposal would reduce CRA requirements for hundreds of banks by raising the asset thresholds that determine which examinations and reporting rules they face. Under current rules, banks with less than $412 million generally receive only the small-bank lending test. Banks with at least $412 million but less than $1.649 billion are classified as intermediate small banks and also receive a community development test. Banks with $1.649 billion or more are treated as large and face separate lending, investment, and service tests. The proposal would classify banks with less than $1 billion in assets as small, those with $1 billion to $10 billion as intermediate, and those with more than $10 billion as large.