Community Development Innovation Review
July 2009
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Past issues
The Community Reinvestment Act: Good Goals, Flawed Concept
My views about the Community Reinvestment Act (CRA) surely differ from those of many of the other individuals who will contribute to this volume. I believe that, despite the good intentions and worthwhile goals of the CRA’s advocates, the CRA is an inappropriate instrument for achieving those goals.
Download the article (pdf, 247.62 kb)
Other articles in this issue
CRA Lending During the Subprime Meltdown
A Banker’s Quick Reference Guide to CRA
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
What Lessons Does the CRA Offer the Insurance Industry?
Expanding the CRA to All Financial Institutions
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