Kadince Blog

By Jaidyn Crookston | February 27, 2024 | 16 Minute Read

49 million American adults don’t have conventional credit scores. That’s 19% of the population.    This includes 28 million people with no credit at all, and 21 million with not enough credit to generate a conventional score. In a...

By Jaidyn Crookston | January 02, 2024 | 11 Minute Read

CRA regulatory change is on everyone’s mind. How will it affect your CRA program? What data will you need to track? Who’s responsible for managing each part of the CRA exam?    We may not have all the answers yet, but we do have s...

By Jaidyn Crookston | October 31, 2023 | 10 Minute Read

Whether you like it or not, Community Reinvestment Act (CRA) regulatory change is here.    Unless you’re near retirement age and can say, “I’m out,” the new CRA rules are likely to bring more pressure to your department and make y...

By Jaidyn Crookston | October 25, 2023 | 7 Minute Read

Ever feel like you’re missing the CRA support you need? Having to comply with the Community Reinvestment Act (CRA) means tracking a lot of data and learning a lot of new information. But resources are scarce for bankers coming into ...

By Jaidyn Crookston | July 05, 2023 | 11 Minute Read

CRA Officers are often told to build relationships throughout their financial institution. These relationships will help your CRA program grow, provide fresh volunteers, help you mine for community development loans, and overall hel...

By Jaidyn Crookston | August 09, 2022 | 10 Minute Read

You’ve probably heard the term before: community development loan mining. Ugh. What a chore.    But as a CRA Officer or CRA Analyst, it’s your job to identify all CRA-eligible loans originated by your bank.    But that doesn’t m...

By Jaidyn Crookston | April 26, 2022 | 8 Minute Read

Traditionally, preparing for a CRA exam has been a long, frustrating process. There’s so much to do, and CRA Officers often don’t have the support they need to do it all. Instead of spending week upon endless week preparing for your...

By Jaidyn Crookston | January 04, 2022 | 9 Minute Read

Click here for an updated 2024 version of this article that reflects CRA regulatory change.   (Don't forget to download the free PDF, "26 Questions to Ask Yourself When Building Your CRA Plan for the New Year." This list of question...

By Jaidyn Crookston | December 21, 2021 | 10 Minute Read

Are you preparing for your next CRA exam? If you are, or you will be soon, you’d probably love to get the inside scoop on how an examiner thinks about an exam.    Wouldn’t it be nice if you could sit down with a CRA examiner and pic...

By Linda Ezuka | November 18, 2021 | 4 Minute Read

At some point in your journey as a Community Reinvestment Act (CRA) officer, you’ll likely find yourself involved in a community-based public-private partnership economic development project. When this happens, your bank may have th...