# Community Reinvestment Act-Assigned Ratings
> **Treasury** · Final rule. · Published 2005-03-02 · Effective 2005-04-01 · 70 FR 10023
## Document
- **Document number:** 05-4016
- **Category:** other
- **Sub-agency:** Treasury
- **Federal Register citation:** 70 FR 10023
- **CFR reference:** 12 CFR 563
- **Publication date:** 2005-03-02
- **Effective date:** 2005-04-01
- **Treasury docket:** No. 2005-09
## Abstract

In this final rule, OTS is making changes to its Community Reinvestment Act (CRA) regulations to reduce burden, provide greater flexibility to meet community needs, and restore the focus of CRA to lending. Specifically, OTS is providing additional flexibility to each savings association evaluated under the large retail institution test to determine the combination of lending, investment, and service it will use to meet the credit needs of the local communities in which it is chartered, consistent with safe and sound operations.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2005/03/02/05-4016/community-reinvestment-act-assigned-ratings)
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