Community Development Innovation Review
February 2009
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Past issues
The CRA within a Changing Financial Landscape
The financial landscape has changed significantly since the passage of the Community Reinvestment Act (CRA) in 1977. In this paper we provide an overview of how these changes have affected the coverage of the CRA, the structure of CRA-regulated institutions, and their effectiveness in meeting the goals of the CRA. By design and necessity we take a broad approach. In so doing, we hope to provide a useful contextual background for the other articles in this volume that focus on changes in the CRA’s implementing regulations, and more specific aspects of the CRA, its coverage and effectiveness.
Download the article (pdf, 945.25 kb)
Other articles in this issue
A Framework for Revisiting the CRA
The Community Reinvestment Act and the Recent Mortgage Crisis
The 30th Anniversary of the CRA: Restructuring the CRA to Address the Mortgage Finance Revolution
The Community Reinvestment Act: Outstanding, and Needs to Improve
It’s the Rating, Stupid: A Banker’s Perspective on the CRA
The Community Reinvestment Act at 30 Years
A Tradable Obligation Approach to the Community Reinvestment Act
The Community Reinvestment Act: Past Successes and Future Opportunities
A More Modern CRA for Consumers
CRA Lending During the Subprime Meltdown
Expanding the CRA to All Financial Institutions
What Lessons Does the CRA Offer the Insurance Industry?
The Community Reinvestment Act: 30 Years of Wealth Building and What We Must Do to Finish the Job
The CRA as a Means to Provide Public Goods
Putting Race Explicitly into the CRA
Community Reinvestment Emerging from the Housing Crisis
A Principle-Based Redesign of HMDA and CRA Data
