More than an alliance.
A coalition of community leaders representing diverse stakeholders, advocating to ensure fair and equal access to financial services and products — and increased community investments — across Florida.
The work, in plain language.
To build a just economy for low-to-moderate income and minority residents in Florida — by creating, supporting, and implementing sustainable solutions that enhance and empower neighborhood and individual well-being.
That work centers on home ownership, rehabilitation, and credit-building opportunities — particularly across Palm Beach, Broward, Miami-Dade, and the broader state. CRAF is a non-profit, community-based organization established in 2015 to bring housing and lending providers, community groups, and social-service agencies together — and to make sure financial services reach the residents who need them most.
In Community Benefits Agreements negotiated
Successful annual Summits
On the NCRC Board representing Florida
Founded · 501(c)(3) nonprofit
Five goals.
One direction.
The CRAF strategic plan organizes a multi-year program of work around five clearly defined goals — every program, training, and convening maps to one or more of them.
Strategic Plan 2024–2026 (PDF)Build the will to overcome economic inequality and racial inequity.
Organize, train, and support a powerful and influential statewide coalition.
Support financial institutions in developing plans to invest, serve, and create wealth for low-wealth communities.
Engage with local governments to maximize community benefits from financial-institution CRA investments.
Provide resources to members so they can do this work in their own communities.
CRAF Grantee
R.E.A.C.H.
CRAF Grantee
SMASH Miami
Housing & Climate Justice.
CRAF amplifies the work.
Members deliver it.
01
Financial Literacy Counseling & Training
02
Pre / Post Homeownership Counseling
03
Foreclosure Modification Counseling
04
Neighborhood Stabilization Counseling
05
Entrepreneurial / Small Business Training
06
CRA Education & Training
07
CRA Advocacy & Organizing
08
Community Benefits Agreement Negotiation
Why the Community
Reinvestment Act exists.
Passed by Congress in 1977, the Community Reinvestment Act states that "regulated financial institutions have continuing and affirmative obligations to help meet the credit needs of the local communities in which they are chartered."
The act establishes a regulatory regime for monitoring lending, investment, and services in low- and moderate-income neighborhoods that have traditionally been underserved. Examiners from four federal agencies — the OCC, FDIC, Federal Reserve, and (in coordination) the CFPB — assess and "grade" each lending institution.
CRAF's role: we make sure those grades reflect what's actually happening on the ground in Florida communities — through advocacy, training, and direct engagement with regulators and lenders.
Our Advocacy Work →Accountable, by the numbers.
As a 501(c)(3) nonprofit, CRAF files an annual IRS Form 990. We publish it here in the interest of full financial transparency and public accountability.
Ready to be part of it?
CRAF members shape Florida's reinvestment future. Voting and Affiliate memberships open year-round.