What’s behind the increase in CRA Exam failures?

What’s behind the increase in CRA Exam failures?

On a broadcast hosted by Dean Stockford, Len Suzio highlights the increase in adverse Community Reinvestment Act (CRA) ratings for banks in the first half of 2023. An article from Standard & Poor indicated that 12 banks received less than satisfactory performance ratings, a jump compared to 14 for the entirety of 2022. Len believes that this rise can be attributed to regulators enforcing stricter performance standards. Evidence for this includes the proposed new CRA Rule, which intends to set higher CRA performance standards. An analysis by bank regulators shows that the new rule would result in a significant increase in the CRA exam failure rate. Len emphasizes that the vagueness in the currently applied performance standards would allow regulators to implement the proposed calibrated standards without officially announcing them. Another notable factor impacting these ratings is the Fair Lending issue and the anti-redlining initiative. Len suggests that banks be aware of these changes and regularly self-evaluate their compliance with these standards.

Brought to you by GeoDataVision and M&M Consulting

Tämä jakso on lisätty Podme-palveluun avoimen RSS-syötteen kautta eikä se ole Podmen omaa tuotantoa. Siksi jakso saattaa sisältää mainontaa.

Jaksot(100)

CRA Shake-Up: How the Regulators' NPR Could Bleed Community Funding

CRA Shake-Up: How the Regulators' NPR Could Bleed Community Funding

Host Len Suzio welcomes Josh Silver of the National Community Reinvestment Coalition to discuss the regulators' Notice of Proposed Rulemaking on the Community Reinvestment Act. The episode focuses on ...

10 Syys 25min

2026 CRA NPR

2026 CRA NPR

In this episode of Compliance 911, Len Suzio and Dean Stockford examine the OCC and FDIC’s newly proposed revisions to the Community Reinvestment Act, focusing on how the rule could reshape bank class...

20 Elo 17min

Recent Regulatory Updates

Recent Regulatory Updates

In this episode of Compliance 911, Len Suzio and Dean Stockford review key banking and compliance developments from June 2026, including new OCC rules affirming federal banks’ authority over real esta...

6 Elo 17min

Community Development Benchmarks

Community Development Benchmarks

In this episode of Compliance 911, Dean Stockford and Len Suzio discuss the OCC’s proposed Community Development benchmarks for CRA performance, focusing on why community development has historically ...

15 Heinä 12min

Unpacking FDIC Consumer Compliance 2026 Supervisory Highlights

Unpacking FDIC Consumer Compliance 2026 Supervisory Highlights

In this episode of Compliance 911, Len Suzio and Dean Stockford unpack the FDIC’s 2026 Consumer Compliance Supervisory Highlights, noting that while 98% of FDIC-supervised institutions earned satisfac...

25 Kesä 13min

CRA: The Importance of Assessment Areas

CRA: The Importance of Assessment Areas

The episode “CRA: The Importance of Assessment Areas” explains why a bank’s CRA assessment area is one of the most important decisions it makes, because it directly affects both performance results an...

17 Kesä 11min

AI Integration Into Compliance

AI Integration Into Compliance

The episode “AI Integration Into Compliance” explains how artificial intelligence is already becoming a practical tool for bank compliance teams as regulatory expectations rise, data volumes grow, and...

10 Kesä 13min

CRA: Other Ways in which banks help meet the needs of the community

CRA: Other Ways in which banks help meet the needs of the community

This podcast explains that banks can strengthen their CRA exam performance by presenting additional lending activity that examiners may not otherwise consider, beyond the usual focus on small business...

27 Touko 11min

Suosittua kategoriassa Liike-elämä ja talous

sijotuskasti
vallattomat
mimmit-sijoittaa
psykopodiaa-podcast
rss-rahapodi
rss-oivalluksia-rahasta-elamasta
ostan-asuntoja-podcast
hyva-paha-johtaminen
lakicast
rss-rahamania
rss-paasipodi
rss-sami-miettinen-neuvottelija
rss-pinnan-alle
rss-inderes
rss-karon-grilli
oppimisen-psykologia
pomojen-suusta
rss-alanvaihtajat
rss-lentopaivakirjat
rss-porssipuhetta