FDIC Exposed Banks Under CRA Scrutiny, Washington DC, 2025

WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) has dropped another hammer on the banking industry, releasing its list of state nonmember banks under the microscope for compliance with the Community Reinvestment Act (CRA). This list covers evaluations assigned to institutions in April 2025, shining a light on their record of serving low- and moderate-income neighborhoods.

The CRA, a law since 1977, demands that banks meet the credit needs of their entire community. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated public disclosure of these evaluations, ensuring transparency in the financial sector.

Banks on this list are facing scrutiny for how they’ve served their communities, a move that will undoubtedly impact their operations and reputation. Interested parties can obtain a consolidated list from the FDIC’s Public Information Center or directly from the banks themselves, as they’re legally required to make these materials available upon request.

This latest move by the FDIC underscores its commitment to ensuring that financial institutions are meeting their obligations to serve all segments of the community. It also serves as a stark reminder for banks to prioritize responsible lending practices and inclusive financial services.

For those seeking more detailed information, the July 2025 List of Banks Examined for CRA Compliance is now available, providing a comprehensive look at each bank’s evaluation.

The FDIC continues its vigilant oversight, ensuring that the banking industry remains accountable to the public it serves. The list serves as a wake-up call for any institutions falling short of their CRA obligations.

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