Office of Thrift Supervision


OTS Is Now Part of the Office of Comptroller of the Currency

NOTE: On July 21, 2011, the Office of Thrift Supervision became part of the Office of the Comptroller of the Currency. See the OCC's Community Reinvestment Act page for current information.


If you are searching for former OTS thrift CRA ratings or evaluations, use the “Search CRA Database” feature below.

The Community Reinvestment Act (CRA) was enacted in 1977 to encourage financial institutions to help meet the credit needs of their communities, including low- and moderate-income neighborhoods, consistent with safe and sound lending practices.

  • CRA Regulations - Includes most recent updates. (Link to External Website)

Search CRA Database
- Publicly released CRA ratings, plus recent public evaluations of OTS-regulated institutions. Also contains large institutions' component ratings under the Lending, Investment and Service test. To access component ratings, select large banks in search criteria and in search results, click button to "Export to CSV" for the component test ratings: O=Outstanding, H=High Satisfactory, L=Low Satisfactory, N=Need to Improve and S=Substantial Noncompliance.

Under the CRA, an institution may apply to its primary federal regulator to be designated a limited purpose or wholesale institution. Such institutions are evaluated for performance under standards in 12 CFR 563e, 12(n) and (x), and 563e.25.

The regulation offers these definitions:

  • A limited purpose institution offers only a narrow product line (such as credit cards or motor vehicle loans) to a regional or broader market. A designation as a limited purpose institution must be in effect.
  • A wholesale institution is not in the business of extending home mortgage, small business, small farm, or consumer loans to retail customers. A designation as a wholesale institution must be in effect.

Additional CRA Information

FFIEC CRA - Find CRA information and the latest CRA ratings of financial institutions regulated by the Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation or the OTS. (Link to an External Website)