Community Reinvestment

RECENT NEWS

State's finance score above average

Consumers in New York are faring better than those in 30 other states, though New Yor...

Applications Being Accepted for Hanna S. Cohn Equal Justice Fellowship

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POLICY ADVOCACY

GRCRC Wants Stronger CRA Regulations

The Greater Rochester Community Reinvestment Coalition, convened by Empire Justice Ce...

GRCRC Asks Federal Regulators to Strengthen Mortgage Lending Data Regulations

To coordinate with hearings being held across the country, the Greater Rochester Comm...

PUBLICATIONS

The River Runs Dry: Decreased Access to Mortgage Credit in Rochester’s Underserved Neighborhoods

This report documents a dramatic decrease in prime mortgage lending made between 2006...

Paying More for the American Dream IV

A report documenting a dramatic decrease in low-cost home loans and highlighting that...

NEWSLETTERS

Spring 2010 :

This issue of the Legal Services Journal contians articles on Consumer and Community Development, Immigration, Public Benefits and Disability Benefits. Read More

Winter 2009-2010 :

In this issue of the Legal Services Journal, you will find Empire Justice Center's Legislative Agenda for 2009-2011 and articles on Domestic Violence, Immigration, Child Care, Public Benefits, Child Support and Consumer and Community Development. Read More


UPCOMING EVENTS

Webinar: Federal Financial Reform, the New Consumer Financial Protection Bureau and the Impact on Homeowners Facing Foreclosure

Hear about the details of the new federal financial reform and the creation of a Cons...

Webinar: HAMP Update

The Home Affordable Modification Program (HAMP) has evolved considerably since it was...

The Community Reinvestment Act (CRA), enacted by Congress in 1977 (12 U.S.C. 2901) and implemented by Regulations 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. In this section of the web site, you can find out more about the regulation and its interpretation and information on CRA examinations.

Overview of Home Mortgage Disclosure Act (HMDA) and Regulations (December 4, 2009) - The key piece of legislation for giving communities and policy makers information about how well banks and other mortgage lenders are serving communities under the Community Reinvestment Act is the Home Mortgage Disclosure Act (HMDA), which was enacted by Congress in 1975 and is implemented by the Federal Reserve Board's Regulation C.  Read More

Articles

Overview of Community Reinvestment Act (CRA) and Regulations
December 4, 2009
The Community Reinvestment Act (CRA), enacted by Congress in 1977 (12 U.S.C. 2901) and implemented by Regulations 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. In this section of the web site, you can find out more about the regulation and its interpretation and information on CRA examinations. Read More

GRCRC and Other CRA Advocates
December 3, 2009
Lists of national, state and local community reinvestment advocates, as well as a description of GRCRC. Read More

The Community Reinvestment Act and Promoting Responsible Lending to Lower Income Communities and Communities of Color
August 13, 2009
A report released this past spring by a multi-state collaboration of regional research, policy, and advocacy organizations, including Empire Justice Center, underlines the critical role that the Community Reinvestment Act (CRA) plays in promoting safe, affordable lending to lower-income borrowers and communities. It also points out how the expansion of CRA would promote responsible lending to even more borrowers and communities. Read More

Community Reinvestment Archives