Guest: Linda Ezuka




After nearly two years of anticipation, financial regulators unveiled their proposal in December to reform how they implement the Community Reinvestment Act and is now taking comments on these recommended changes through March 9th, 2020.   The plan will overhaul CRA assessment boundaries, criteria for activities earning credit in CRA exams and how banks are scored overall for their performance. If finalized, the proposal would be the first significant update to the 1977 law in over two decades.  While the plan has carve-out for banks with under $500 million of assets it may have a significant impact for the more than 650 financial institutions in the U.S. between $500 million and $1 billion in assets.

In this episode of ElevateTALKS CRA authority, Linda Ezuka joins host Michael Delucchi and discusses the current state of CRA reform, some of the key changes within the proposed rules, and how they may impact community banks.

Founder of CRA Today, Linda has over 25 years of community development experience, with emphasis in CRA, compliance, training, community development lending and CDFI initiatives. Linda works with financial institutions to provide comprehensive CRA training, up-to-date resources, and proven strategies.  She helps banks to remain compliant and to provide a positive and supportive environment for both employees and community partners.

If you are a community bank executive, lender, compliance officer, or responsible for CRA at your institution then this episode of ElevateTALKS is for you.

Episode Resources

For more information and to contact Linda go to


Twitter:  @LindaLewisEzuka


Federal Register Proposed Rules and Comment:

Office of the Comptroller of the Currency Bulletin regarding CRA Reform:

Federal Deposit Insurance Corporation CRA Page:

2020 Interagency Community Reinvestment Conference

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