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Federal Reserve Bank of Chicago
Economic Perspectives
CRA and fair lending regulations: resulting trends in mortgage lending
Douglas D. Evanoff
Lewis M. Segal
Abstract

This article provides background on the evolution of Community Reinvestment Act (CRA) and fair lending regulations, summarizes the relevant economic literature, and evaluates the effectiveness of the regulations by analyzing recent trends in mortgage lending activity. Are the trends in line with the intent of the regulations? Can the trends by attributed to the regulations?


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Douglas D. Evanoff & Lewis M. Segal, "CRA and fair lending regulations: resulting trends in mortgage lending" , Federal Reserve Bank of Chicago, Economic Perspectives, issue Nov, pages 19-46, 1996.
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Keywords: Community Reinvestment Act of 1977 ; Mortgages ; Discrimination in mortgage loans
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Fed-in-Print is the central catalog of publications within the Federal Reserve System. It is managed and hosted by the Economic Research Division, Federal Reserve Bank of St. Louis.

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