Community Reinvestment Act
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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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Could Lack of Impact Assessment in OCC and FDIC Proposal Break CRA?
Proposed changes to CRA by the Office of the Comptroller of the Currency and the FDIC conflict with the best practices of community development.
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.
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.
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.
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.
Where Banks and the Public Agree on CRA . . . and Disagree
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?
CRA “Reform” Under Trump Threatens Communities of Color and the 99 Percent
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.
How the Community Reinvestment Act Can Help Flint
The audacious and callous decisions leading to the tragedy in Flint, Michigan are cruel and beyond comprehension. What is needed is an all-out effort by all sectors of society–not only […]
The Role of Government in Impact Investing
Impact investing may seem like a market-based concept, but government can and does support, enable, and participate in it many ways.
Shel Trapp, Organizer, NPA Founder, Dies at 75
Shel Trapp has died at the age of 75 after a brief illness. Along with NPA (National People’s Action) co-founder Gale Cincotta, Shel was central to the passage of HMDA […]