The CRA instructs federal financial supervisory agencies to encourage the institutions that they regulate to help the communities in which they are chartered to meet their credit needs, while also conforming to “safe and sound” standards.
Selon cette loi, les agences fédérales de contrôle doivent encourager les institutions qu'elles supervisent à aider en matière de crédit la population qui les entoure, ceci dans le respect des normes reconnues.