MBA's CRA Residential Lending Workshop

The Community Reinvestment Act (CRA), in effect since 1977, encourages federally insured banking institutions to help meet the credit needs of their communities, particularly low- and moderate-income households in their service area. Over the years, there have been regulatory updates to CRA implementation including significant revisions in 1995, 2021 and 2023. But the most recent agency efforts to modernize CRA have been controversial resulting in court actions, and a March 2025 announcement for a proposed rescission of the latest 2023 rule. At the same time, some states have enacted or are considering their own versions of CRA that may include both banks and independent mortgage companies.

Where does CRA regulation and enforcement stand today, and what should banks and independents be doing to comply or prepare for future compliance?

The CRA challenges for residential mortgage lending are numerous: general competition for loan volume, movement to a purchase market, tight housing inventories particularly for low-to-moderate income housing in many parts of the country, the changing landscape of retail bank branches in an electronic age, and Home Mortgage Disclosure Act data that can track the frequency of buying and selling of CRA-eligible loans.

MBA is offering a one-day hands-on workshop to bring together residential mortgage lenders to consider improving or expanding their CRA residential mortgage lending programs and products. Regulatory developments, practical case studies and best practices will be covered.

Register today, as attendance is capped at 50 attendees to encourage interactive discussions and ensure that your specific questions can be addressed. VMBA members can get a $100 discount off the MBA member or non-member rate by using the discount code STATE100. 

Click here to register!

Who Should Attend from Banks and Independent Mortgage Companies: