Federal Deposit Insurance Corp. CRA ‘Small Bank’ Proposal. An interagency proposal to link predatory lending practices with an institution’s Community Reinvestment Act rating is on hold until the issue of redefining “small banks” for CRA examination purposes is fully resolved. In a recent notice of proposed rulemaking, the Federal Deposit Insurance Corp. said it expects no action on predatory lending and other aspects of the original CRA rule proposed jointly by federal regulators back in