2023 CRA Rule Repeal: Lessons to be Learned

2023 CRA Rule Repeal: Lessons to be Learned

In the podcast “2023 CRA Rule Repeal: Lessons to be Learned,” Dean Stockford and Len Suzio discuss the potential repeal of the complex 2023 Community Reinvestment Act (CRA) rule and argue that, despite its likely demise, valuable insights can still be drawn from it. Len highlights that the 2023 rule introduced a breakthrough by offering calibrated numerical benchmarks for CRA performance ratings—something previous rules lacked—which gave bankers a clearer way to measure and self-assess their CRA performance against both market and demographic standards. The conversation also notes that, while the new rule provided clarity on how to resolve conflicting performance results and prioritize ratings, its approach to consumer loans—making auto loans a key focus and sidelining other consumer loans—signals a shift in regulatory priorities. Ultimately, they agree that even if the 2023 rule is repealed, its measurement standards and lessons can help bankers better navigate the otherwise vague and inconsistent legacy CRA evaluation process. Brought to you by GeoDataVision and M&M Consulting

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Avsnitt(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 Sep 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 Aug 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 Aug 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 Juli 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 Juni 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 Juni 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 Juni 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 Maj 11min

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