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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?

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 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,...

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

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...

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...

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...

CRA Exams Aren’t Cutting It For Communities in Need

In 1977, Congress passed the Community Reinvestment Act (CRA) and required the federal banking agencies to assess a bank’s record of helping to meet...

Would Trump’s CRA Reform Really “Do No Harm?”

NCRC examined every single Community Reinvestment Act evaluation for mid-size banks conducted during 2016.

CRA Weakened

The Community Reinvestment Act, a major tool for twenty years in bringing capital and fairer banking into low income neighborhoods, has been weakened by...

How CRA Can Promote Integration in Gentrifying Neighborhoods

Gentrification—the process of neighborhood demographic and economic change in which middle- and upper-income people move into lower-income neighborhoods, increasing...

Tracing the Roots of CDFIs: A review of Democratizing Finance

This book is a major contribution to increasing knowledge and awareness of how far the community development finance movement has come in 30 years.

CRA “Reform” Under Trump Threatens Communities of Color and the 99...

Banks enjoy consumer and taxpayer-funded privileges, such as deposit insurance, and not too long ago, subsidized trillion-dollar bailouts. It’s not too much to insist that they invest a fair share of those dollars back into all of our communities.

Shelterforce Interviews Two CRA Veterans

CRA – Taking It To the Next Step The success of the Community Reinvestment Act (CRA) has been significant. Thanks to the CRA, community groups...

The Community Reinvestment Act at 40: A Careful Review of the...

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

Financial Modernization: A CRA Organizer’s Worst Nightmare

Shortly after the passage of the Financial Modernization Act, a banker was heard to say to Phyllis Salowe-Kaye, the executive director of New Jersey...