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Board of Governors of the Federal Reserve System
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Federal Reserve Board of Governors

Community Reinvestment Act (CRA)

Federal Reserve Board of Governors

Survey of the Performance and Profitability of CRA-Related Lending


Section 713 of the Gramm-Leach-Bliley Act of 1999 (Public Law 106-102) directs the Board of Governors of the Federal Reserve System to study and report to the Congress on the default rates, delinquency rates, and profitability of lending activities undertaken in conformance with the Community Reinvestment Act of 1977 (CRA). The Board was directed to make the report and supporting data available to the public.

The Board asked the 500 largest retail banking organizations to voluntarily complete a comprehensive survey focusing on their CRA-related lending activities and prepared a report summarizing survey responses. The report and supporting data are available here in PDF (Adobe portable document format--free Adobe Acrobat Reader) for public information. The survey instrument is also available here in PDF for public information.

Report on the Performance and Profitability of CRA-Related Lending 
Report Text (152 KB PDF)
Report Tables (108 KB PDF)

Supporting Data - Tabulation of Survey Responses 
Part A
Section 1: 1-4 Family Residential Lending: Home Purchase and Refinance Mortgage Loans (9 KB PDF) or Excel Spreadsheet
Section 2: 1-4 Family Residential Lending: Home Improvement and Home Equity Loan (8 KB PDF) or Excel Spreadsheet
Section 3: Small Business Lending (7 KB PDF) or Excel Spreadsheet
Section 4: Community Development Lending (6 KB PDF) or Excel Spreadsheet

Part B
Survey of CRA Special Lending Programs
Summary of All CRA Special Lending Programs at a Banking Institution (4 KB PDF) or Excel Spreadsheet
Programs for Which Detailed Information Was Provide (7 KB PDF)  or Excel Spreadsheet
Brief Guide for Data Tabulations(12 KB PDF)

Survey Questionnaire on Performance and Profitability of CRA-Related Lending 
Letter by Chairman Greenspan (9 KB PDF)
Purpose and Content (66 KB PDF)
General Institutional Information (40 KB PDF)

Part A
Section 1: 1-4 Family Residential Lending: Home Purchase and Refinance Mortgage Loans (101 KB PDF)
Section 2: 1-4 Family Residential Lending: Home Improvement and Home Equity Loans (102 KB PDF)
Section 3: Small Business Lending (97 KB PDF) 
Section 4: Community Development Lending (82 KB PDF)

Part B
Survey of CRA Special Lending Programs (118 KB PDF)

Q&A on how to answer the survey questions

Last update: August 12, 2013