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Community Reinvestment Act (CRA)


Bank of China U.S.A. (BOC U.S.A.) works to address the credit and community development needs of the communities we serve. We proudly provide financial support for 80/20 low-and moderate-income housing projects in the New York metropolitan area and provide loans (both public finance and corporate), investments and services under our CRA Program that exceeded $3 billion between 2012-2023.


Our lending facilitates economic development, revitalizes and stabilizes low-and moderate-income areas, provides affordable housing, and targets services for underserved and underprivileged individuals in our local communities. In 2020, BOC U.S.A. provided relief for our communities and customers throughout the city’s COVID-19 crisis, including a $200 million loan to the MTA for operating expenses and distributed loans through the Paycheck Protection Program, to accommodate the needs of local small business owners. The bank also made a sizable donation of personal protective equipment to first responders, essential workers and hospitals in the city, to help meet their critical needs during the health crisis.


Our personnel also invest their time to support youth in our communities through volunteer efforts that promote financial education. By partnering with community leaders and organizations at the forefront of these causes, our team members are able to serve as mentors, empowering and strengthening our communities by supporting those who are most in need.


The Office of the Comptroller of the Currency (OCC) regularly evaluates Bank of China’s performance and has awarded the bank a “Satisfactory” rating. Our most recent performance evaluation can be accessed here: