The Community Reinvestment Act (CRA) requires each federal financial supervisory agency to
use its authority when examining financial institutions subject to its supervision to assess the
institution=s record of meeting the credit needs of its entire community, including low- and
moderate-income neighborhoods, consistent with safe and sound operations of the institution.
Upon conclusion of such examination, the agency must prepare a written evaluation of the
institution=s record of meeting the credit needs of its community.