The CRA Compliance Platform Banks Are Quietly Using to Stay Out of Trouble

Powered by Cedric Burl & Company

At Cedric Burl & Company, we help banks improve and maintain strong Community Reinvestment Act (CRA) ratings—without disrupting your current team.

Our solution combines compliance-ready software, strategic community investment, and qualified business deal flow to support your mission, protect your reputation, and grow your lending activity.

✅ CRA Software That Supports Your Team—And Shields Your Bank from Risk

We’re not here to replace your CRA or compliance staff—we’re here to make their jobs easier, more accurate, and more efficient.

Our software enables your institution to:

• Track and document CRA-qualified lending, investment, and service activities
• Map and monitor community efforts across your assessment areas
• Generate audit-ready reports to meet CRA exam requirements
• Maintain real-time visibility into your CRA performance year-round

This saves your team hours of manual reporting and helps avoid costly penalties or regulatory downgrades.

💡 CRA Non-Compliance Can Be Costly

Banks that fall short on CRA expectations face more than reputational risk:

• Regulatory downgrades from the FDIC, OCC, or Federal Reserve
• Public enforcement actions that may impact growth or acquisitions
• Delays or rejections in branch expansion or M&A deals
• Costly remediation plans, sometimes exceeding $250,000–$1 million+

Sources:

CRA Non-Compliance Can Be Costly

Banks that fall short of CRA expectations face serious consequences that go far beyond reputational harm:

• USAA was fined $85 million and received a CRA downgrade for compliance weaknesses and discriminatory practices
  (Read the OCC’s enforcement action) 
• CRA remediation plans can cost banks $250,000 to over $1 million, including third-party consultants and system overhauls
  (CRA enforcement example) 
• Downgrades can delay or block mergers, acquisitions, and new branch approvals
  (OCC CRA Ratings Disclosure) 
• All CRA ratings and enforcement actions are made public, increasing reputational exposure
  (FDIC CRA Ratings) 

🏦 Real-World Example: CRA Credit + Closed Deal

A regional bank we worked with was under pressure to improve its CRA rating and increase community impact.

We helped them:

• Identify missed CRA service credit from volunteer activity
• Introduce a vetted, Black-owned logistics business in a qualified area
• Use our platform to document the transaction and community impact

Result:
They closed a $650,000 working capital loan, gained full CRA credit, and added a long-term commercial client. The bank’s CRA file was enhanced and ready for its next regulatory review.

🤝 Investing in Communities. Delivering Real Value.

Cedric Burl & Company invests in American-owned businesses operating in CRA-qualified areas. This directly supports:

• Local job creation
• Economic mobility
• Expanded access to capital for underserved entrepreneurs

Our business pipeline is aligned with your regulatory goals—bringing mission-aligned, compliant, and fundable opportunities directly to your loan officers and commercial teams.

📊 What This Means for Your Bank

Here’s how our solution supports your long-term strategy:

Your Priority Our Solution Stay CRA compliant Software that tracks, maps, and documents CRA activity Avoid costly penalties Proactive reporting helps avoid regulatory downgrades Save time and internal resources Automate manual tracking and streamline audit prep Empower your internal staff Tools built to support—not replace—your compliance team Unlock profitable deal flow Pre-qualified, CRA-aligned business leads for funding Improve exam outcomes Full visibility, organized documentation, and reporting

🔄 How We Work With You

1. Discovery & CRA Strategy Review
   – We assess your current efforts and reporting gaps
2. Software Implementation
   – Deploy tools that track, tag, and prepare CRA activity for exam readiness
3. Community Investment Alignment
   – Introduce businesses and programs that meet CRA guidelines
4. Ongoing Deal Flow Support
   – Deliver qualified leads and real-time updates to support continuous compliance

📞 Let’s Help Each Other Help the Community

We invite you to a complimentary one-hour strategy call to show how our software and support can:

• Save your staff time and reduce manual work
• Help avoid CRA-related fines or downgrades 
• Deliver real deal flow from real businesses that make a difference

Let’s build something that works—for your institution and for the people you serve.

👉 Book Your Free Strategy Call Click Here