FDIC Drops Bombshell on CRA Compliance: Banks Named!

WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) has just dropped a bombshell on the banking industry by releasing its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). This move comes as the FDIC assesses the performance of institutions in meeting the credit needs of their communities, specifically low- and moderate-income neighborhoods.

The CRA, a 1977 law, mandates that banks provide safe and sound operations while serving the entire community. This public disclosure is part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), which requires the FDIC to make evaluations and ratings for each bank or thrift undergoing a CRA examination since July 1, 1990, available to the public.

Here’s how the FDIC lays it out: You can obtain a consolidated list of all state nonmember banks evaluated since 1990 from the FDIC’s Public Information Center. Or, you can request an individual bank’s CRA evaluation directly from the bank itself or through the FDIC’s Public Information Center.

For those keen on diving into the nitty-gritty, the September 2025 list of banks examined for CRA compliance and a monthly breakdown are available on the FDIC website. The contact information for media inquiries is provided for those who want to dig deeper.

This release by the FDIC not only highlights the importance of community reinvestment but also serves as a stark reminder of the regulatory scrutiny facing the banking sector. As the financial world grapples with these new disclosures, one thing is certain: the spotlight on bank compliance has never been brighter.