Kadince Blog

By Jaidyn Crookston | May 07, 2024 | 8 Minute Read

Tax season can be a stressful time of year for those who don’t really understand the filing process. One slip-up can cause serious legal and financial issues, and not everyone is prepared for what it takes to file their taxes. Low-i...

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 | August 21, 2023 | 5 Minute Read

Managing one CRA program is hard enough. Can you imagine overseeing four at once?    “It isn’t easy,” says Tonia Taylor, SVP and Director of Compliance at QCR Holdings, a holding company that owns four separate chartered banks.  ...

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 | December 06, 2022 | 8 Minute Read

Your CRA exam is finally over. (Longest 2–3 months of your life, right?)   First of all, take a deep breath. Pat yourself on the back. The last several months have been a stressful blur of paperwork, examiners, and “why didn’t thi...

By Jaidyn Crookston | September 13, 2022 | 11 Minute Read

If you’ve ever had a brilliant idea at work before, you know that gathering support for it can be hard. Not everyone is going to love your idea, and even those who do may be hesitant to throw their support behind you. But if you wan...

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...