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.
While developers, tech companies, and greedy landlords are often cited as the usual suspects driving the housing crisis, one group is often overlooked: the banks that finance the deals.
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Seven percent of U.S. households, a group roughly the size of the population of Australia, were “unbanked” in 2015, meaning they have neither a checking nor savings account. This is the lowest unbanked rate recorded since the survey first launched in 2009