Success by JazE Edutech / Interactive Tool
Interactive Tool
The 2023 CRA Final Rule took effect January 1, 2024. Use this interactive lookup to map the 2026, 2027, and 2028 milestones that apply to your bank.
Under the 2023 CRA Final Rule, the new regulations took legal effect on January 1, 2024, and substantive requirements phase in by institution type: most core obligations began on January 1, 2026, new data collection and reporting started on January 1, 2027, and the remaining data duties follow on January 1, 2028. Which milestones reach your bank depends on your asset size and category — use the lookup below to map your specific calendar.
Explore the eight-beat learning path lab and scenario practice prompts below.
Full written guide, sources, and FAQs
CRA modernization deadlines depend on who regulates you, how big you are, and what kind of institution you are. Map the exact milestone calendar for your bank in under a minute.
This resource helps readers connect when do the new CRA modernization rules take effect to classroom practice, standards-aware implementation, and responsible next steps for schools and sponsors.
The 2023 CRA Final Rule was issued jointly by the OCC, the Federal Reserve, and the FDIC and published in the Federal Register on October 24, 2023. The revised regulations took legal effect on January 1, 2024, but the agencies staged the substantive compliance dates: most core obligations begin on January 1, 2026, new data collection and reporting requirements begin on January 1, 2027, and the remaining data duties follow on January 1, 2028. Which milestones apply to your institution depends on your asset size and category, not on the calendar alone.
This lookup answers the question a static explainer cannot: what does that calendar mean for your institution? Select your primary federal regulator, enter your asset size, and choose your institution category. The tool assembles the milestones that apply to you, marks each one against today's date, and flags every point where you should verify current status with your regulator before committing resources.
Start with your primary federal regulator: the OCC supervises national banks and federal savings associations, the Federal Reserve supervises state member banks, and the FDIC supervises state non-member banks. Because the 2023 rule was issued jointly, the adopted compliance calendar is identical across the three agencies. Selecting your regulator personalizes who examines you and where your guidance comes from, not the dates themselves.
Next, enter total assets in millions of dollars. Under the rule as adopted, banks at or above $2 billion in assets are treated as large banks, which places the heaviest milestones on their calendar, including the duty to delineate retail lending assessment areas and the new data collection requirements. Thresholds are subject to annual inflation adjustment and classification follows the agencies' own measurement rules, so treat the tool's inference as a planning signal rather than a regulatory determination.
Finally, choose your institution category. Facility-based banks with branch networks move through the full phase-in sequence, while wholesale or limited-purpose institutions are evaluated through a community-development-focused framework instead of the full retail tests. Intermediate and small banks carry scaled-down obligations, which is why the same date can mean very different work for two institutions of different sizes.
The output is a personalized milestone map: a chronological list of the compliance dates that apply to your combination of regulator, size, and category. Each milestone shows the date, the duty that begins, and a status marker that updates as the calendar passes. Milestones that do not apply to your category are deliberately left off the map, so what disappears is information too.
Run one comparison to see the mechanic. Select FDIC, 2,400 million in assets, and facility-based bank: the map adds the retail lending assessment area milestone plus the 2027 and 2028 data duties. Then change only the asset input to 1,400 million and watch the map shed the large-bank milestones while the core compliance date stays put. Same regulator, same category, different calendar — that contrast is the tool's core lesson.
Read each milestone as a duty start date, not as a prediction of exam treatment. The map tells you when new requirements reach an institution like yours; it cannot tell you how your bank will be evaluated or rated, which depends on exam timing, facts, and each agency's current procedures.
Every date in this tool reflects the compliance schedule as adopted in the 2023 final rule. The agencies have adjusted several compliance dates since the rule was issued, and the framework remains subject to further agency action, so the displayed calendar is a starting point for planning rather than a substitute for the current regulatory record. Before you commit budget, staffing, or data infrastructure against any milestone, verify the date in the Federal Register and with your primary federal regulator.
The tool infers size status from the asset figure you enter, but regulatory classification follows the agencies' own definitions, including inflation adjustments and multi-year measurement windows. Treat the inference as illustrative. The tool also does not model optional evaluation approaches, strategic plans, exam scheduling, or any provision specific to your charter, business model, or performance context.
No outcome claims: the map cannot predict exam results, ratings, or enforcement treatment, and it does not evaluate whether any activity qualifies for CRA consideration. Its single job is to organize the adopted dates into the order they reach an institution like yours.
Use this lookup alongside the rest of the CRA library. The 2023 CRA Final Rule explainer covers what changed and why, the Coverage Gate Scoping Kit helps you work through whether and how the CRA applies to your institution, and the CRA Rating Qualifier turns the rating scale into an interactive self-check. For the education-partnership angle, the qualified activity anatomy report dissects one community partnership test by test.
This tool is an educational planning aid published by SuccessEdu, a program of JazE Edutech. It is not legal, regulatory, tax, or compliance advice, and it is not affiliated with or endorsed by the OCC, the Federal Reserve, the FDIC, or the FFIEC. It makes no promise about compliance outcomes, CRA ratings, or the regulatory treatment of any institution or activity.
All dates and thresholds shown are illustrative estimates drawn from public agency materials and may not reflect the most recent regulatory updates. Confirm every milestone with your primary federal regulator and qualified counsel before acting, and note that using this tool does not create any advisory relationship.
The revised CRA regulations took legal effect on January 1, 2024, following the rule's publication in the Federal Register on October 24, 2023. Substantive obligations phase in on later compliance dates, most of which began on January 1, 2026 under the schedule as adopted. Verify current dates with your regulator, since the agencies have adjusted several of them.
Under the schedule adopted in the joint 2023 rule, no — all three agencies share the same compliance calendar. Your regulator determines who conducts your CRA exams and issues your guidance, not which dates apply. That uniformity is why the tool asks for your regulator separately from your size and category.
Under the schedule as adopted, the new performance framework — including the Retail Lending Test and the community development tests — was set to apply to evaluations beginning after the January 1, 2026 core compliance date. Because the agencies have adjusted some dates since issuance, confirm the currently applicable date before building an exam-preparation timeline.
Yes, but with substantially lighter obligations. Small banks carry few of the new data collection duties, which are aimed primarily at large institutions, and are largely evaluated on their retail lending. The rule's effective dates still reach them, so the milestone map looks shorter rather than empty. Confirm your exact duties with your regulator.
Yes. Since the 2023 final rule was issued, the agencies have adjusted several compliance dates, and the framework remains subject to further agency action. That is why every milestone in this tool carries a verification flag and points you to the public regulatory record rather than presenting dates as settled.
A retail lending assessment area is a geographic area that large retail lenders must delineate around the counties where they make covered loans, regardless of where their branches sit. Under the schedule as adopted, that duty was tied to the January 1, 2026 core compliance date. Confirm the currently applicable date and your institution's status with your regulator.
No. It is an educational planning aid that organizes public agency materials into a personalized timeline. The authoritative sources are the Federal Register and your primary federal regulator. The tool cannot certify your classification, predict exam outcomes, or substitute for compliance counsel.
Board of Governors of the Federal Reserve System
Office of the Federal Register
Office of the Comptroller of the Currency
Federal Deposit Insurance Corporation
Federal Financial Institutions Examination Council
The 2023 CRA Final Rule replaced activity counts with outcome-based tests, added new data reporting duties, and set a phased compliance calendar. Here is what changes, track by track, and where financial literacy education fits.