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Community Reinvestment Act Changes Expected to Benefit Low- and Moderate-Income Communities
January 3, 2020
The Community Reinvestment Act was enacted in 1977 as a direct response to redlining, an unethical practice whereby banks and other lending institutions made it extremely difficult, if not impossible, for residents of poor, inner-city communities to borrow money, get a mortgage, take out insurance or access other financial services. Redlining did not take into consideration an individual’s qualifications or creditworthiness. ... read more »
Community Reinvestment Act Changes Expected to Benefit Low- and Moderate-Income Communities Proposed Changes to the Community Reinvestment Act (CRA)
January 2, 2020
The OCC hopes stakeholders will carefully review the proposed changes and submit comments so that a final rule can be issued in the first half of 2020. ... read more »
Civil Rights Groups Ask for Broad Access to Affordable Lending
June 15, 2017
As the Senate Banking Committee turns its attention to reform the nation’s secondary mortgage market, civil rights leaders recently spoke in a strong and united voice. For these national organizations, the housing finance system must embrace—not abandon—its obligation to provide broad access and affordability in mortgage lending. ... read more »
Growing poverty, expanding wealth gaps hinder housing, says Harvard report
June 29, 2016
As consumers either grow into wealth or fall into poverty, America’s middle class, once the envy of the world, is steadily shrinking. ... read more »
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