Search Results

A review of HUD’s Cityscape issue, which is devoted to reviews and studies of the Community Reinvestment Act at its 40th anniversary.

Investments and funding motivated by the Community Reinvestment Act are more foundational to the work of community developers than is often discussed. But if regulations change the incentives for banks, the effects on communities will be dramatic.

Despite a CRA exam pass rate of 98 percent, the major thrust of bank comments is that they want easier exams with fewer moving parts and less uncertainty.

Senator Elizabeth Warren and the Office of the Comptroller of the Currency have offered contrasting visions for the future of CRA. How do they differ, and what would the implications for historically disinvested communities be?

These writings suggest that careful reform of CRA regulations can build upon the progress in lending and investing if the reforms are incremental instead of “transformational.” 

The Community Reinvestment Act regulations should be recrafted to incentivize investments in underserved and economically distressed communities, many of which are rural.

When practitioners in the affordable housing and community development field think about the Community Reinvestment Act (CRA), they think about the federal CRA, and for good reason; the federal CRA […]

The Community Reinvestment Act (CRA) is a law that requires banks to serve the credit needs, consistent with safety and soundness, of all communities, including low- and moderate-income communities. With […]

The assessments that evaluate a bank’s lending practices have improved, but there are several missed opportunities for reform. For one, the new rules won’t incorporate a racial analysis into lending examinations.

The Community Reinvestment Act and the Consumer Financial Protection Agency Act hold great promise for the creation of a more financially inclusive nation, but both depend on critical “moments in time” in Congress that will determine whether they become good laws or are weakened beyond recognition

A significant reduction in attention paid to home mortgage lending on CRA exams would be neither economically efficient nor equitable.

Public comment is open through Aug. 5 on proposed Community Reinvestment Act rule changes. They are worlds better than the Trump-era proposal. Why are some advocates still disappointed?