Community Reinvestment Act (CRA) Consulting

With over 20 years of experience in CRA compliance program management, we can help institutions of any size to maximize resources for optimal performance. This includes CRA data integrity management, performance analysis and reporting; identifying and documenting compliance with the large bank CRA Lending, Service and Investments Test requirements; and supplementing your institution’s internal audit function by conducting pre-examination analysis of bank performance and directing activities to targeted performance gaps.

CRA Program Enhancements


For institutions of any size, we can provide one or more of the following services to help you optimize results:
Click the titles below for more detailed information. 

CRA Examination Management  

CRA Performance Analysis 

CRA Data Integrity Process Review

Community Development Activities

CRA Training 

Linda Ezuka helped us prepare for a CRA examination during a compliance management transition.  Together, we were able to sustain our desired CRA rating and forged a smooth transition in our compliance program.

-Bryan Luke, President and COO, Hawaii National Bank,

CRA Transitions


Is your institution short on time and resources to effectively manage your CRA program?  We can provide the support you need to achieve your CRA performance targets.  

CRA Transitions

We provide efficient outsourced options as you manage through your CRA program transitions: 

  • Providing temporary staffing assistance to augment existing resources
  • Recruiting permanent qualified CRA compliance staff
  • Cross-training to build bench strength and program continuity 
  • Integrating systems to support CRA during mergers and acquisitions


Small to Intermediate Small Bank Transition

  • Setting up systems to maximize performance credit under new requirements for growing small banks under the CRA
  • Preparing to collect community development activities 


Intermediate Small to Large Bank Transition

  • Preparing to transition to large bank exam performance standards
  • Preparing to collect, review, and report small business, small farm, HMDA and community development lending data

Audit and Consulting Teams

CRA and Compliance Audits

Do you have consulting or audit engagements that include CRA? Supplement your audit and/or consulting teams with dedicated and proven CRA expertise.

Linda's deep CRA subject matter expertise enabled our team to perform a deep dive internal audit for a difficult client with an immature CRA compliance program.  With Linda's guidance, we were able to develop a robust audit program that resulted in detailed audit findings that significantly improved our client's CRA compliance program.

-Ray Parrish, Managing Consultant, InSight Consulting Partners