Senior Housing Crime Prevention Foundation

CRA Partners

Memphis, TN, USA

(901) 529-4765

United States of America

About Us

CRA Partners and Senior Crimestoppers are operated by the Senior Housing Crime Prevention Foundation (SHCPF), headquartered in Memphis, Tennessee.  

The SHCPF mission is to provide protection and an enhanced quality of life for vulnerable senior housing residents through meaningful turnkey CRA compliance for community focused banks.

Funded exclusively by the banking industry and endorsed by the ICBA and over 30 state bankers associations, the Foundation has developed a low-risk, profitable solution — CRA Partners — for banks of all asset sizes and charter types – to fulfill their federally mandated Community Reinvestment Act (CRA) requirements in the form of qualified loans, investments or grants through the operation of the nationally acclaimed Senior Crimestoppers program.

For more information about Senior Crimestoppers, visit or call 800-529-9096.

Follow News Updates

General contact

CRA Partners
Senior Crimestoppers
8700 Trail Lake Drive W, Suite 140
Memphis, TN 38125

Professional Staff

David C. Lenoir

David C. Lenoir

President & CEO

For eight years prior to joining SHCPF, David served as Shelby County Trustee. He brings more than 20 years of leadership and management experience within the financial services industry in the municipal government, corporate and non-profit sectors.

Kristine LaVigna

Kristine LaVigna

Business Development Manager

Kristine has been with SHCPF since 2013 and is a Business Development Manager. In this role, she works to unite banks across the country with low- to moderate-income senior facilities in their assessment areas, creating opportunities for CRA lending and investment test credit.

Katie Wright

Katie Wright

Operations and Program Manager

Katie joined SHCPF in August of 2019. She is responsible for office operations and manages the Senior Crimestoppers program. She earned her Bachelor’s degree in Marketing Management from the University of Memphis. Prior to joining SHCPF, she organized and successfully managed several training and operation efficiency programs. She brings vast experience with process improvement and business management skills to the Foundation team.

Aimee Leeper

Aimee Leeper

Director of Marketing & Communications

Aimee joined the SHCPF team in the spring of 2019. She earned her Bachelor of Arts degree from Indiana University, and brings a wide variety of experience to this position, having served in marketing-related roles for companies like Bosch, Triton Systems, NetIQ, and Binswanger Glass.

Steffani Jenkins

Steffani Jenkins

CRA Liaison & Business Development Officer

Steffani brings a wealth of experience gained in previous roles related to the CRA and Community Development at Cross River, Deposit Guaranty National, Iberia/First Horizon, Trustmark, and Regions Banks. She has a deep knowledge of the rules and regulations regarding the Community Reinvestment Act, and will aid banks in understanding how those rules apply to them, and how to best serve their customers and communities, while fulfilling their federally mandated CRA obligations.

Marnie Stewart

Marnie Stewart

Partner Relationship Manager & Foundation President

Marnie manages and coordinates relationships between our housing facility partners and their supporting bank partners in this role, helping our seniors stay safe and secure, and banks stay connected with the communities that they sponsor.

Melanie Borgerding

Melanie Borgerding

Staff Accountant

Melanie has worked in accounting since 2018. Prior to that, she worked in the loan department at a local community bank. She maintains our investor collateral, facilitates bond transactions, makes the investor dividend & interest payments, prepares grant invoices, and assists with transaction documents.

Our Founder

Charles C. King III

Charles C. King III

Chairman Emeritus

Chuck King began his banking career in 1992 as president of National Commerce Financial’s subsidiary, USI Alliance Corporation, where he founded both the Senior Housing Crime Prevention Foundation and Senior Crimestoppers, and created the “Wish Comes True” grant program, the “Time of Your Life” video exhibit, and the Welcome Home Banking web portal for residents and their families; all to improve the quality of life for the elderly in communities across the country. Thanks to Chuck King’s vision, the Senior Crimestoppers program has reduced crime against nursing home residents nationally by 97 percent.

Board of Directors

David C. Lenoir
Chairman, President & CEO
CRA Partners
Memphis, TN

Kraig Lounsberry
President and CEO
Community Bankers of Illinois
Springfield, IL

Cynthia Richards
State of New Mexico
Albuquerque, NM

Gary C. Teagno
Retired President & CEO
ICBA Services Network
Washington, DC

Clive "Rusty" R. Cloutier
Former President & CEO
MidSouth Bank
Lafayette, LA

David M. W. Denton
General Manager
Fox Hill Senior Living Center
Bethesda, MD

Kevin Tweddle, CPA
SEVP, Community Bank Solutions
ICBA & Subsidiaries
Washington, DC

Lewis E. Holland
President (retired)
Henry Turley Company
Memphis, TN

David E. Hayes
President & CEO
Security Bank
Dyersburg, TN

William “Bill” R. Reed, Jr.
Vice Chairman (Retired)
SunTrust Bank
Memphis, TN

John Buhrmaster
President & CEO
1st National Bank of Scotia
Schenectady, NY

Marnie Stewart
SHCP Foundation
Memphis, TN

John E. McWeeney, Jr.
President & CEO
New Jersey Bankers Association
Cranford, NJ

Rebeca Romero Rainey
Washington, DC

Scott McComb
Chairman, President & CEO
Heartland Bank
Whitehall, OH

Kathryn Underwood
President and CEO (retired)
Ledyard National Bank
New Hampshire

Robert Fisher
President and CEO
Tioga State Bank
Binghampton, NY


  • Why nursing homes, HUD properties and veterans homes?
    Nursing home, Medicaid & HUD residents meet the definition of a low-to-moderate income group and can qualify for government subsidies for Care and Housing. Therefore, any loan or investment that goes to benefit or support this group is considered as qualified CRA credit and allows banks to support a segment of society that it might not otherwise touch. Further, these facilities are known to have problems in areas that the Senior Crimestoppers program directly addresses.
  • How does this benefit a bank?
    Often it is difficult for banks to find reasonable, low-risk, community focused opportunities to meet their CRA loan or investment requirements. Many times CRA qualified types of loans and investments are considered risky at best. CRA Partners provides a bank with an outlet to meet both loan and investment test requirements, as required by law. Further, CRA Partners is structured in such a way that the bank has very low credit risk. The transaction is secured 100% by the collateral chosen by the bank, which constitutes the source of repayment at contract maturity. The yield on the bank’s loans and investments is based on the yield paid on the collateral security, less 1.5% retained by CRA Partners to support its programs. Also, the funds provided by the bank are used in the primary assessment area(s) where the bank must have credit or greater area permitted by CRA regulation. Besides all of this, a bank has no work, administrative burden or overhead associated with participation.
  • What does the nursing home or senior housing facility receive?
    The facilities also win, perhaps more than anyone else. A facility sponsored by the SHCPF receives the Senior Crimestoppers program absolutely free of charge with no strings attached during the loan/investment period. Benefits such as reduced risk exposure, lower cost of liability insurance, reduction in crime incidents experienced, lower staff turnover and associated costs, enhanced staff morale, abatement of litigation events and hard dollar cost savings are all brought to the facility through implementation of the Senior Crimestoppers program.
  • How long is the commitment period?
    The commitment period for loans and investments varies from 5 - 7 years. At the conclusion of this time period, a participating sponsor may ask for and receive redemption of the loan or investment, or may elect to continue participating in SHCPF activities. If a bank chooses to participate in a grant, the commitment period is 5 years.
  • What yield does a sponsor receive?
    First, they receive the effective annual yield of the bond purchased, less a portion retained by the Foundation. In addition, some banks use the relationship with the sponsored nursing home to offer special banking packages to the management, board, staff, residents and family members.
  • What is the Foundation’s geographic scope?
    CRA Partners serves every U.S. state. This allows all banks to sponsor nursing homes.