FDIC Exposes Lax CRA Compliance Among Banks

WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) has dropped a bombshell with its latest list of banks failing to meet the stringent requirements of the Community Reinvestment Act (CRA). This disclosure, released on December 5, 2025, reveals the institutions deemed non-compliant in September 2025.

Enacted in 1977, the CRA mandates that financial institutions serve the credit needs of their entire community, including low- and moderate-income neighborhoods, without compromising safety and soundness. The law was part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), which also required public disclosure of evaluations and ratings for banks or thrifts undergoing CRA examinations.

Obtaining the consolidated list is as simple as visiting the FDIC’s Public Information Center at 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226. You can also reach them by phone at (877) 275-3342 or (703) 562-2200.

Individual bank evaluations are available directly from the respective institutions or through the FDIC. This move underscores the agency’s commitment to transparency and accountability in financial services.

The latest list serves as a stark reminder of the ongoing struggle against financial malfeasance. As regulators continue their oversight, the pressure on banks to meet these critical standards grows. Only time will tell if this public shaming will be the catalyst needed for compliance improvements across the board.

For more information, contact MediaRequests@fdic.gov. Last Updated: December 5, 2025