WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) has dropped a bombshell on the banking world with its latest list of state nonmember banks evaluated for compliance with the Community Reinvestment Act (CRA).
This latest release, which covers evaluations assigned to institutions in July 2025, is a crucial tool for consumers and investors alike. The CRA, a law since 1977, mandates that banks meet the credit needs of their entire community, including low- and moderate-income neighborhoods, without compromising safety and soundness.
Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress required the FDIC to publicize evaluations for every bank or thrift examined after July 1, 1990. Consumers can access a consolidated list of all state nonmember banks evaluated since that date, or obtain hard copies from the FDIC’s Public Information Center in Arlington, VA.
The CRA evaluation is also available directly from each bank upon request, as required by law. This transparency is a key component of ensuring financial institutions are serving their communities effectively and responsibly.
Today’s list serves as a stark reminder to banks that compliance with the CRA is not just a legal requirement but a social responsibility. As the FDIC continues its oversight, it will be watching closely to ensure that all banks are meeting the needs of their communities, regardless of income level.
For more information:
- Email: MediaRequests@fdic.gov
- Last Updated: October 3, 2025
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