Description:
This webinar can also be purchased as a part of our Winter 2026 CRA Series (4-Part) at a discounted rate.
Achieving an Outstanding CRA rating involves a lot of work for very little payoff. We suggest banks do the work needed for an Outstanding rating, but if the effort comes up a little short then settle for a solid Satisfactory rating. The failure to achieve a Satisfactory or Outstanding CRA rating can increase the difficulty in getting various applications approved by your federal regulator. A lower rating results in additional work to restore the rating. This program provides the information needed to achieve the top CRA rating.
Upon completion of this program participants understand:
- How to obtain an Outstanding CRA rating.
- The established criteria for an outstanding rating for:
- Large banks.
- Intermediate small banks (Intermediate Banks under new final OCC CRA rules).
- Small banks.
- Wholesale banks.
- Limited purpose banks; and
- A bank submitting a strategic plan.
- The evolving criteria for an outstanding rating under recent regulatory proposal.
- How the CRA Regulatory Rating process works.
- The role of CD activities in the current CRA Rating process; and
- The role of CD activities in the recent regulatory proposal.
Who:
The program is designed for directors and senior management, management of the loan department, Compliance Officers, CRA Officers, marketing staff and auditors.
Background:
Every bank (small, intermediate small or large) would like to obtain an Outstanding CRA rating, but less than 10% of all banks actually achieve this distinction. To receive an Outstanding CRA rating a bank must do everything necessary to obtain a Satisfactory rating, plus more. This program focuses on the “plus more.” Our suggestion is to shoot for an Outstanding rating and settle for a solid Satisfactory rating.
This program reviews:
- Why a bank may want to seek an Outstanding CRA rating.
- The established criteria for an outstanding rating for each category of banks.
- The evolving criteria for obtaining an Outstanding rating under recent final regulations.
- The actual process of obtaining an Outstanding CRA rating; and
- A preview of how the proposed Interagency CRA Rules will impact the rating process.
Presenters:
Kimberly Boatwright, CRCM, CAMS, FLE
Kimberly Boatwright is EVP and Director of Risk and Compliance at Compliance Resource, LLC and has more than a two decades of experience working in the financial services industry. Ms. Boatwright is a well-regarded financial industry risk and compliance professional with a strong background in program development and implementation. She is a thought leader who specializes in Fair Lending, Anti-Money Laundering, OFAC and consumer compliance. During her career she has worked for and consulted with all types of financial institutions helping to establish and evolve compliance and risk programs. She is a frequent public speaker, trainer, and author on compliance and risk management topics. Kimberly is a Certified Regulatory Compliance Manager, a Certified Anti-Money Laundering Specialist, and a Fair Lending Expert.
March 4, 2026