Enforcement Of The Community Reinvestment Act
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Enforcement Of The Community Reinvestment Act
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs
language : en
Publisher:
Release Date : 1990
Enforcement Of The Community Reinvestment Act written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1990 with categories.
Credit To The Community
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Author : Dan Immergluck
language : en
Publisher: Routledge
Release Date : 2016-07-08
Credit To The Community written by Dan Immergluck and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-07-08 with Business & Economics categories.
This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Community Reinvestment Act
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 1988
Community Reinvestment Act written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Bank loans categories.
Democratizing Capital
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Author : Richard Marsico
language : en
Publisher:
Release Date : 2005
Democratizing Capital written by Richard Marsico and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Business & Economics categories.
"In Democratizing Capital, Professor Richard Marsico offers a bold proposal for improving the Community Reinvestment Act (CRA), a law that has done more than any other to "democratize capital" by bringing under privileged people and neighbourhoods into the economic mainstream." "Democratizing Capital will be of interest to policymakers, bankers seeking to comply with the law, government officials seeking to enforce it, community groups seeking to increase lending in their neighbourhoods, students interested in learning about the CRA, and anyone else interested in low-income community economic development."--BOOK JACKET.
The Community Reinvestment Act
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Author : Roland E. Brandel
language : en
Publisher:
Release Date : 1989
The Community Reinvestment Act written by Roland E. Brandel and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1989 with Bank loans categories.
Community Reinvestment Performance
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Author : Kenneth H. Thomas
language : en
Publisher: Irwin Professional Publishing
Release Date : 1993-01
Community Reinvestment Performance written by Kenneth H. Thomas and has been published by Irwin Professional Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993-01 with Business & Economics categories.
The equality and breadth of bank lending practices are under microscopic scrutiny from community groups, Congress, financial regulatory agencies and the media. To say that subjective interpretation and sporadic enforcement have made the Community Reinvestment Act one of the most controversial regulations ever imposed upon banking is an understatement. As front page headlines charge discriminatory lending practices, as CRA is linked to urban blight and the L.A. riots, and as previously confidential bank CRA ratings are disclosed, banking's least liked law becomes ever more controversial, emotionally charged and unpopular. Enforcement of CRA is high on the Clinton agenda in a shift from previous administrations. New justice department investigations, lawsuits and penalties, powerful and well-organized community groups, and heightened attention from the public and media all promise to make CRA the most talked about regulatory issue of the 1990s. Furthermore, it will increasingly become a major component in the approval of impending bank mergers and any proposed new powers for the banking industry. Yet, if the truth be known, CRA ratings are alarmingly subjective. While repeatedly alleged, these charges have never been documented - until now. In this seminal work, bringing together years of analysis and research, CRA expert Kenneth H. Thomas presents the first truly objective, in-depth evaluation of CRA assessment and performance. Dr. Thomas reveals actual cases of CRA grade inflation and deflation - including the previously unreported case of apparent regulatory favoritism involving the controversial acquisition of one of America's largest failed banks. Sure to spark additional debate, this landmark work is required reading for anyone in the CRA triangle - bankers, community groups and bank regulators. Community Reinvestment Performance sheds new light on banking's least liked law; uncovers what bankers, community groups and regulators really think about CRA; provides the first historical analysis of CRA performance from 1982 - 1992; and includes innovative recommendations for improving CRA with an emphasis on public policy issues.
Proposed Regulatory Community Reinvestment Act Reform
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on General Oversight, Investigations, and the Resolution of Failed Financial Institutions
language : en
Publisher:
Release Date : 1994
Proposed Regulatory Community Reinvestment Act Reform written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on General Oversight, Investigations, and the Resolution of Failed Financial Institutions and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Business & Economics categories.
President Clinton S Community Reinvestment Act Reform Initiative And Enforcement Of Federal Fair Lending Laws
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Author :
language : en
Publisher:
Release Date : 2015-08-06
President Clinton S Community Reinvestment Act Reform Initiative And Enforcement Of Federal Fair Lending Laws written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-08-06 with Reference categories.
Excerpt from President Clinton's Community Reinvestment Act Reform Initiative and Enforcement of Federal Fair Lending Laws: Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs House of Representatives President Clinton's Community Reinvestment Act Reform Initiative and Enforcement of Federal Fair Lending Laws: Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs House of Representatives was written by an unknown author in 1994. This is a 374 page book, containing 116521 words and 47 pictures. Search Inside is enabled for this title. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.
Proposals To Enhance The Community Reinvestment Act
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Author : United States. Congress. House. Committee on Financial Services
language : en
Publisher:
Release Date : 2010
Proposals To Enhance The Community Reinvestment Act written by United States. Congress. House. Committee on Financial Services and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Business & Economics categories.
Report On The Status Of The Community Reinvestment Act
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 1992
Report On The Status Of The Community Reinvestment Act written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Bank loans categories.