Calendar of Events
The Community Reinvestment Act (CRA), enacted by Congress in 1977 (12 U.S.C. 2901) and implemented by Regulation 12 CFR parts 25, 228, 345, and 563e, is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate. The CRA’s “sister” legislation is the Home Mortgage Disclosure Act (HMDA), enacted in 1975 to provide the public with mortgage lending data to help determine if financial institutions are serving the housing needs of their communities. This section of the website provides information about the regulations implementing the CRA and HMDA, any changes to these laws or their regulations, as well as any work or research Empire Justice Center does pertaining to CRA and HMDA data, including commenting on bank CRA exams.
Fed Study: Low Mortgage Rates No Boon to Refinancing in 2010
Do Bank Branches Matter Anymore?
The Subprime Crisis: Is Government Housing Policy to Blame?
Community Reinvestment: Articles
IN THE NEWS
Many Long Island Communities Face Long Term Impact of Foreclosures
LI's minority enclaves hit hard by foreclosure
Community Reinvestment: In the News
Empire Justice Comments to Regulators: Make Needed Comprehensive Changes to CRA Rules
Empire Justice Center and Other NY Groups Say Wells Fargo Should "Fail" Its CRA Exam
Community Reinvestment: Policy Advocacy
Community Reinvestment: Publications
Legal Services Journal - Spring 2011
Legal Services Journal - Fall 2010 Issue
Community Reinvestment: Newsletters
TRAINING AND EVENTS
Celebrating 30 Years of the Community Reinvestment Act
Map the Key Issues in Your Community
Overview of Community Reinvestment Act (CRA) and Regulations
Overview of Home Mortgage Disclosure Act (HMDA) and Regulations