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Westerly Creek development

Article

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.

The spires and statue atop an old bank building.

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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?

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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.

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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 about the federal CRA, and for good reason; the federal CRA […]

View from the street of a bank built in 1917. From the photographer: The building features a red brick exterior with terra cotta trim, decorative panels with Sullivanesque detailing, Sullivanesque trim, a decorative mosaic in the tympanum below the arch above the front entrance with the word “Thrift” in gold lettering in the middle of an expanse of blue tile and decorative white, cream, green, purple, red, and orange tile accents, decorative metal lettering on the facade above the arch displaying the words “The People’s Federal Savings & Loan Assn." ... Gargoyles above the pilasters framing the front entrance, fixed glass windows at the corners, brass double doors.

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How the New CRA Rule Will Help, and Where It Falls Short

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.

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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