Building Better Communities

Community Reinvestment Act

The Community Reinvestment Act (CRA) is a federal law designed to encourage insured financial institutions to help meet the credit and community development needs of all income levels of their communities, including low- and moderate-income neighborhoods. Congress passed the Act in 1977 to reduce discriminatory credit practices against low-income neighborhoods.

CRA Public File

In accordance with the Community Reinvestment Act, Encore Bank is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File.  To ensure accessibility and up-to-date information, we have made this file accessible here on our website. The information provided is current as of April 1, 2024. If you're interested in viewing our updated CRA Public File, please click the button below. If you have any questions, reach out to CRA@bankencore.com.

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