Community Development Innovation Review
February 2009
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Past issues
The CRA as a Means to Provide Public Goods
The Community Reinvestment Act (CRA) has proved to be a unique experiment in banking regulation. As the Federal Reserve Governor with responsibility for consumer regulation and community affairs oversight during much of the 1990s, I look back fondly on my experience, along with my good friend and then-Comptroller of the Currency Gene Ludwig, in working to design the current regulatory scheme of the act.
Download the article (pdf, 229.55 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 CRA within a Changing Financial Landscape
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
Putting Race Explicitly into the CRA
Community Reinvestment Emerging from the Housing Crisis
A Principle-Based Redesign of HMDA and CRA Data