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Each office or branch of a bank must post a notice in its lobby that describes the purpose of the Community Reinvestment Act. This notice also explains that the public has a right to review a banks CRA file and to make written comments about the banks CRA performance.
The OCC publishes an advance notice of scheduled CRA evaluations to inform and allow community and civic organizations, government, and other members of the public to express their views about the CRA performance of banks.
The CRA requires the agencies to assess a banks record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the banks safe and sound operation.
Each branch file must include: Copy of the public section of the CRA Performance Evaluation (must be placed in the public file within 30 days of receipt) List of retail banking services provided by the branch.
The Community Reinvestment Act (CRA) is a law intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income (LMI) neighborhoods, consistent with safe and sound banking operations.
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The Code of Federal Regulations (CFR) is the official legal print publication containing the codification of the general and permanent rules published in the Federal Register by the departments and agencies of the Federal Government.
The Community Reinvestment Act of 1977 (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with the safe and sound operation of such institutions.
The Board of Governors of the Federal Reserve System shall have the right, acting through the Federal Reserve agent, to grant in whole or in part, or to reject entirely the application of any Federal Reserve bank for Federal Reserve notes; but to the extent that such application may be granted the Board of Governors of

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