Federal Reserve Bank of San Francisco

Community Development

CRA Lending During the Subprime Meltdown

Author(s): Elizabeth Laderman and Carolina Reid, Federal Reserve Bank of San Francisco

February 2009

Community Development Investment Review

The current scale of mortgage delinquencies and foreclosures, particularly in the subprime market, has sparked a renewed debate over the Community Reinvestment Act (CRA) and the regulations governing home mortgage lending.

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