Agencies Release Annual Asset-Size Thresholds Under Community Reinvestment Act Regulations
December 19, 2024
Washington, D.C. – The Federal Reserve Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) today announced the annual asset-size thresholds used to determine which insured depository institutions are subject to the agencies’ Community Reinvestment Act (CRA) regulations.
For calendar year 2025, the asset-size threshold will be $503 million. This threshold is based on the average of the total assets of all insured depository institutions as of June 30, 2024.
The CRA requires insured depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income (LMI) neighborhoods. The agencies’ CRA regulations establish asset-size thresholds to determine which institutions are subject to the CRA’s requirements. Institutions with assets below the threshold are not subject to the CRA’s requirements, while institutions with assets above the threshold are subject to the CRA’s requirements and must receive a satisfactory or outstanding CRA rating from their primary federal regulator.
The asset-size threshold is adjusted annually to reflect changes in the average size of insured depository institutions. The threshold has increased steadily over time, as the average size of insured depository institutions has increased.
For more information on the CRA, please visit the following websites:
- Federal Reserve Board
- Federal Deposit Insurance Corporation
- Office of the Comptroller of the Currency
Agencies release annual asset-size thresholds under Community Reinvestment Act regulations
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