Rulemaking · OCC · Oct 24, 2023

Community Reinvestment Act

The 2023 CRA modernization updated how bank lending to lower-income communities is assessed for the era of mobile and online banking.

Docket or bill: 89 FR 6574 / FR 2023-25797
Official record: https://www.federalreserve.gov/newsevents/pressreleases/bcreg20231024a.htm
Tracked as: Community Reinvestment Act
Issued by: Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Federal Reserve System, Department of the Treasury

Traceable spending around this event

Tracked giving from finance banking donors in the year before the event, and lobbying on BAN issue codes in the surrounding window. These are partial, tracked figures scoped to a window, not totals for the industry.

Giving window: Oct 24, 2022 – Oct 24, 2023. Donation records in this database currently run through Aug 12, 2026; lobbying filings through 2026. Figures computed Sep 14, 2026.

Tracked giving (finance banking)

$43,810,036

4,361 donations

Opposition spending

independent expenditures against

Lobbying (BAN)

$375,773,574

948 filings

Positions on record

from the relationships graph

Tracked giving (finance banking)$43,810,036

Lobbying (BAN)$375,773,574

Of tracked giving, $324,000 was independent expenditures supporting and $0 opposing; the remainder is direct contributions with no stated direction.

Positions

MICHIGAN CREDIT UNION LEAGUE
lobbying disclosure · curated · source
On record
CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS
lobbying disclosure · curated · source
On record
TD BANK, NA
lobbying disclosure · curated · source
On record
AMERICAN BANKERS ASSOCIATION
lobbying disclosure · curated · source
On record
AMERICAN BANKERS ASSOCIATION
regulatory comment · curated · source
On record
CALIFORNIA/NEVADA CREDIT UNION LEAGUE
lobbying disclosure · curated · source
On record
Better Markets
regulatory comment · curated · source
On record
RBC CAPITAL MARKETS, LLC
lobbying disclosure · curated · source
On record

Top lobbying on these issues

Clients with the most reported lobbying spend on BAN issue codes in the window around the event. Lobbying reports cover multiple issues, so spend is not attributable to this event alone.

CHAMBER OF COMMERCE OF THE U.S.A.$86,380,000 · 5 filings
NATIONAL ASSOCIATION OF REALTORS$72,720,000 · 8 filings
UNITEDHEALTH GROUP, INC.$14,250,000 · 6 filings
MASTERCARD WORLDWIDE$11,883,500 · 15 filings
SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION$10,620,000 · 6 filings
AMERICAN BANKERS ASSOCIATION$9,600,000 · 33 filings
KOCH GOVERNMENT AFFAIRS, LLC$7,860,000 · 5 filings
WALMART INC$7,490,000 · 10 filings

Figures are drawn from tracked FEC donations and Senate LDA lobbying disclosures held in this database. See the methodology for how spending is scoped to an event window.