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Community Reinvestment Act Program


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 $2 billion. 

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. 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 New York Metropolitan Transit Authority for operating expenses and distributed loans through the Paycheck Protection Program, to accommodate the needs of local small business owners. BOC U.S.A. 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 COVID-19 health crisis.

 BOC U.S.A.’s 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. Please see here for more information about the bank’s other corporate social responsibility programs. 

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