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Redlining Would Be Relegalized by CRA Reform Proposal
In an attempt to make compliance easier for banks, regulators are proposing to incentivize the very thing the Community Reinvestment Act was written to fight.
Pulling the Rug From Under Community Development?
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.
Protecting the Community Reinvestment Act Is an Investment in Economic Justice
The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation just released a set of proposed rules for the Community Reinvestment Act that threaten the very heart of the law.
Proposed CRA Rule Receives Mixed Reviews from Housers
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?
Where Banks and the Public Agree on CRA . . ....
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.
Warren Housing Bill Presents a Clear Choice on CRA
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?
New Writings Suggest Incremental Change Is Best Path for CRA Reform
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."
Improving CRA for Rural America
The Community Reinvestment Act regulations should be recrafted to incentivize investments in underserved and economically distressed communities, many of which are rural.
CRA Should be Becoming Less Partisan. Instead, It’s More.
The Community Reinvestment Act (CRA) is a law that requires banks to serve the credit needs, consistent with safety and soundness, of all communities,...
CDFIs Shouldn’t Act Like Banks, But Too Often Do
When receiving bank funding, CDFIs often limit their investments in accordance with bank restrictions. How can reforms to the Community Reinvestment Act help center the needs of underserved communities?
CRA on a State Level Makes Sense
When practitioners in the affordable housing and community development field think about the Community Reinvestment Act (CRA), they think...
CRA Modernization: A Critical Moment for Underserved Neighborhoods
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
Don’t Diminish the Importance of Homeownership in CRA Reform
A significant reduction in attention paid to home mortgage lending on CRA exams would be neither economically efficient nor equitable.
CRA Survives Its Toughest Challenge
There is nothing more exhilarating than to be shot at without result. –Winston Churchill The Community Reinvestment Act (CRA) has survived the most serious attack in...
Why Are Biased Banks Getting High CRA Marks from Regulators?
The Community Reinvestment Act (CRA) statute has a statement of purpose affirming that banks “are required by law to...
Banks Can Earn CRA Credit for COVID Response—But Who’s Benefiting?
All banking activities, regardless of whether they benefit middle- and upper-income or low- and moderate-income people and communities, could count in the next round of CRA exams. This would further disadvantage communities that are already disproportionately impacted by the pandemic.
Community Reinvestment Act (CRA) and HMDA: Tools for Reinvestment, by Chris...
For the last twenty years, community activists across the country have organized residents to fight banks and thrifts that "redline": i.e., refuse to provide...
Could Lack of Impact Assessment in OCC and FDIC Proposal Break...
Proposed changes to CRA by the Office of the Comptroller of the Currency and the FDIC conflict with the best practices of community development.
Strengthening the CRA
In 1995, the last time federal banking agencies revised the rules of the Community Reinvestment Act (CRA), they promised to conduct a follow-up review...
Tweaks to CRA Q&A Document Miss the Larger Picture
During the dog days of summer this July, the federal bank agencies decided to quietly bunt instead of swing...