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  3. Regulation BB Community Reinvestment

Regulation BB
Community Reinvestment

12 CFR 228; as amended effective April 1, 2024
Subpart A—General
  • Section
  • Authority, purposes, and scope
  • Definitions
  • Consideration of community development loans, community development investments, and community development services
  • Community development illustrative list; confirmation of eligibility
  • Impact and responsiveness review of community development loans, community development investments, and community development services
Subpart B—Geographic Considerations
  • Section
  • Facility-based assessment areas
  • Retail lending assessment areas
  • Outside retail lending areas
  • Areas for eligible community development loans, community development investments, and community development services
  • [Reserved]
Subpart C—Standards for Assessing Performance
  • Section
  • Evaluation of CRA performance in general
  • Retail lending test
  • Retail services and products test
  • Community development financing test
  • Community development services test
  • Limited purpose banks
  • Strategic plan
  • Assigned conclusions and ratings
  • Small bank performance evaluation
  • Intermediate bank performance evaluation
  • Effect of CRA performance on applications
Subpart D—Records, Reporting, Disclosure, and Public Engagement Requirements
  • Section
  • Data collection, reporting, and disclosure
  • Content and availability of public file
  • Public notice by banks
  • Publication of planned examination schedule
  • Public engagement
Subpart E—Transition Rules
  • Section
  • Applicability dates and transition provisions
Appendix A—Calculations for the Retail Lending Test
Appendix B—Calculations for the Community Development Tests
Appendix C—Performance Test Conclusions
Appendix D—Ratings
Appendix E—Small Bank and Intermediate Bank Performance Evaluation Conclusions and Ratings
Appendix F—CRA Notice
Appendix G—Community Reinvestment Act (Regulation BB)
AUTHORITY: 12 U.S.C. 321, 325, 1828(c), 1842, 1843, 1844, and 2901 et seq.
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