Community Development Innovation Review

February 2009
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CRA Lending During the Subprime Meltdown

Author(s):

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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Other articles in this issue

Expanding the CRA to All Financial Institutions

A Banker’s Quick Reference Guide to CRA

The Community Reinvestment Act: Good Goals, Flawed Concept

A Principle-Based Redesign of HMDA and CRA Data

Community Reinvestment Emerging from the Housing Crisis

Putting Race Explicitly into the CRA

The CRA as a Means to Provide Public Goods

The Community Reinvestment Act: 30 Years of Wealth Building and What We Must Do to Finish the Job

CRA 2.0: Communities 2.0

What Lessons Does the CRA Offer the Insurance Industry?

A Framework for Revisiting the CRA

A More Modern CRA for Consumers

The Community Reinvestment Act: Past Successes and Future Opportunities

A Tradable Obligation Approach to the Community Reinvestment Act

The Community Reinvestment Act at 30 Years

It’s the Rating, Stupid: A Banker’s Perspective on the CRA

The Community Reinvestment Act: Outstanding, and Needs to Improve

The CRA within a Changing Financial Landscape

The 30th Anniversary of the CRA: Restructuring the CRA to Address the Mortgage Finance Revolution

The Community Reinvestment Act and the Recent Mortgage Crisis