Regulators Release 2025 CRA Lending Data on Small Business and Farms
Federal bank regulators published annual Community Reinvestment Act data covering small business, small farm, and community development lending activity in 2025.
Federal banking regulators have released their annual data on small business, small farm, and community development lending for 2025, fulfilling a disclosure requirement under the Community Reinvestment Act, the agencies announced.
The data were published jointly by members of the Federal Financial Institutions Examination Council, the interagency body that coordinates regulatory standards and examinations across federal banking supervisors, which includes the Office of the Comptroller of the Currency, the Federal Reserve, and the Federal Deposit Insurance Corporation.
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The Community Reinvestment Act mandates that federal agencies collect and publicly disclose this lending information on an annual basis. The law was designed to encourage banks and other depository institutions to meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
The annual release of CRA lending data provides researchers, community advocates, policymakers, and the public with a window into how banks are directing capital toward small enterprises and agricultural operations, as well as broader community development initiatives. Analysts and advocacy groups typically use the figures to assess whether financial institutions are adequately serving underbanked markets.
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