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来源类型Working Paper
规范类型工作论文
The Community Reinvestment Act: What Do We Know, and What Do We Need to Know?
Laurie Goodman; Jun Zhu; John Walsh
发表日期2019-08-30
出版年2019
语种英语
概述The Community Reinvestment Act (CRA) was enacted in 1977 to encourage depository institutions to meet the credit needs of their communities. In 2018, the Office of the Comptroller of the Currency put out an advance notice of proposed rulemaking to gather feedback on how the CRA could be modernized. The 1,485 comment letters make clear there is no consensus on what modernization means. We argue that any revision
摘要
The Community Reinvestment Act (CRA) was enacted in 1977 to encourage depository institutions to meet the credit needs of their communities. In 2018, the Office of the Comptroller of the Currency put out an advance notice of proposed rulemaking to gather feedback on how the CRA could be modernized. The 1,485 comment letters make clear there is no consensus on what modernization means. We argue that any revision of the regulations would be more effective if it is grounded in facts about current CRA lending. Using 2016 Home Mortgage Disclosure Act data and 2016 Federal Financial Institutions Examination Council loan files, we assess what we know about CRA lending from existing data sources and what we could analyze if we had more data and increased transparency on the data that are already collected.
主题Finance ; Housing and Housing Finance ; Income and Wealth ; Neighborhoods, Cities, and Metros
URLhttps://www.urban.org/research/publication/community-reinvestment-act-what-do-we-know-and-what-do-we-need-know
来源智库Urban Institute (United States)
资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/480708
推荐引用方式
GB/T 7714
Laurie Goodman,Jun Zhu,John Walsh. The Community Reinvestment Act: What Do We Know, and What Do We Need to Know?. 2019.
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