2025 CRA: Community Reinvestment Act / Quarter 1 Compliance - Tifton

Don’t let the new CRA regulations catch you off guard! Reserve your spot today for this dynamic, one-day class and equip yourself with the tools to excel under the updated framework. Seats are limited, so act now to stay ahead of the curve, enhance your institution’s impact, and empower the communities you serve.

The Community Reinvestment Act (CRA) has undergone a transformative update to address modern banking challenges and expand its impact. This one-day course will decode the new regulations, equip you with actionable strategies, and prepare your institution for success under the revised framework. Stay ahead of the curve and discover how the changes can drive meaningful community engagement and compliance excellence. Attendees’ Takeaways: Training Program Manual and a Resource Manual packed with “real world” examples, templates, and handouts that can be implemented back at their banks.

INSTRUCTOR:

Kristin Harville, Senior Consultant
Performance Solutions, Inc. (PSI)

Agenda Includes:
New Goals for CRA:
• Expand access to credit, investment, and banking services in low- and moderate-income (LMI) communities
• Reflect changes in banking trends, including online, mobile, and hybrid models
• Provide clear and consistent application of CRA regulations
• Customize CRA evaluations to align with a bank’s size and operational type
Modernized Evalua2on Frameworks:
• Introduction of new Retail Lending, Retail Services, CD Financing, and CD Services Tests
• Metrics-based approaches using benchmarks and peer data to standardize evaluations
Innova2ve Considera2ons for Digital Banking:
• Assessments of “non-branch delivery systems” such as mobile apps and online plaQorms
• Frameworks to evaluate digital product and service delivery effectively
Enhanced Transparency & Public Engagement:
• New provisions encouraging public input on community needs and CRA activities
• Reinforced connections between CRA performance and fair lending practices
Key Updates to CRA-Eligible Ac2vi2es:
• List of activities that now qualify for CRA consideration
• Revised definitions and criteria for “community development”
Tailored Approaches for Different Bank Sizes:
• New asset-size thresholds define responsibilities for large, intermediate, and small bank
• Option for small banks to continue under existing rules or opt into the new framework
Simplified Compliance & Transi2on Periods:
• Clear timelines for implementing new provisions and addressing compliance gaps
• Flexibility for banks to adapt to changes while avoiding penalties

ABOUT THE INSTRUCTOR:
Kristin Harville is Senior Consultant with Performance Solutions, Inc. (PSI), a training and consulting company, that has been a part of the banking community for 40+ years that specializes in providing "real world" solutions in meeting the ever-changing banking and regulatory environment.   With her extensive background as a banker, an examiner, and a consultant, she brings a wealth of "real world' knowledge and 'how to" to the PSI compliance deliverables. 

Her most recent experience included leading a $2.7B banking compliance team focused on BSA, Compliance Management System, Internal Audit, Technology Implementation, and Enterprise Risk Management. Her certifications include Juris Master's Degree in Law (Major in Financial Regulation), Certified Regulatory Vendor Program Manager, Certified AML and Fraud Professional (CAFP), Certified Regulatory Compliance Manager (CRCM), Certified Bank Secrecy Act Professional, and Banking Certificate - Barret School of Banking.