Bank and Mortgage Illinois Community Reinvestment Act

The Division of Banking (DOB) is responsible for examining state-chartered banks and covered mortgage lenders for compliance with the Illinois CRA.

An exam schedule for banks and mortgage lenders will be published at least 30-days in advance of the beginning of each calendar quarter.

Each bank and mortgage lender will be evaluated and assigned one of the following four overall ratings once the examination is complete:

1. Outstanding (O)
2. Low Satisfactory (LS)
3. Needs to Improve (NI)
4. Substantial Noncompliance (SNC)

These ratings are not, nor should they be interpreted as an assessment of the financial condition of these institutions. The assigned ratings do not represent an analysis, conclusion, or opinion of the DOB concerning the safety and soundness of these financial institutions.

DOB will publish the public section of the evaluations on its website.