CRA Public File Requirements

Below is a refresher on CRA public file requirements.

  • Must be maintained at main office and, if an interstate bank, at one branch office in each state

  • Within 5 calendar days of request, all information contained in file related to the facility-based assessment area in which the bank is located, must be provided at no cost

  • File must be updated by April 1 of each year

Main Office file within each State, if an interstate bank, must include:

  • Written comments received for current year and each of the prior two calendar years (must be updated quarterly), specifically related to the bank’s performance in helping meet the needs of its community(ies) and responses by the bank

  • Copy of the public section of the CRA Performance Evaluation (must be placed in the public file within 30 days of receipt)

  • List of bank’s branches including street addresses and census tracts

  • List of branches opened or closed by the bank during the current year and each of the two prior calendar years, street addresses, and census tracts (must be updated quarterly)

  • List of retail banking services, including hours of operation, available loan and deposit products, and transaction fees generally offered at bank’s branches and description of material differences in availability or cost

  • Map of each facility-based assessment area and retail lending assessment area, as applicable, showing the boundaries of the area and identifying the census tracts contained within the area either on the map or in a separate list

  • For small banks - the bank’s loan-to-deposit ratio for each quarter of the prior calendar year and, at its option, additional data on its loan-to-deposit ratio

  • A bank evaluated according to an approved strategic plan must include a copy of the plan in its public file while the plan is in effect

  • A bank that received less than a “Satisfactory” rating during its most recent examination must include in its public file a description of its current efforts to improve its performance in helping to meet the credit needs of its entire community and update the description quarterly

  • Any other information the bank chooses

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