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Keywords:Community Reinvestment Act of 1977 

Journal Article
Geographic patterns of mortgage lending in Boston, 1982-1987

New England Economic Review , Issue Sep , Pages 3-30

Discussion Paper
Using credit reporting agency data to assess the link between the Community Reinvestment Act and consumer credit outcomes

We use a regression discontinuity design to investigate the effect of the Community Reinvestment Act on consumer credit outcomes using data from the Federal Reserve Bank of New York?s Consumer Credit Panel database (Equifax data) for the years 2004 to 2012. A bank?s activities in census tracts with median family incomes less than 80 percent of the metropolitan statistical area (MSA) median family income count toward a lending institution?s compliance with CRA rules. Assuming census tracts with median incomes at 79.9 percent of the MSA median are the same as census tracts at 80 percent?except ...
Public and Community Affairs Discussion Papers , Paper 2013-2

Conference Paper
Cookie-cutter versus character: the micro structure of small business lending by large and small banks

Proceedings , Paper 777

Conference Paper
The "big picture" about relationship-based finance

Proceedings , Paper 761

Conference Paper
Racial differences in patterns of small business finance: the importance of local geography

Proceedings , Paper 775

Conference Paper
Bank consolidation and small business lending: a small firm perspective

Proceedings , Paper 760

Journal Article
Bank expansion decisions and CRA performance

In early 2004, JP Morgan Chase and Bank One announced plans to create the second largest banking organization in the country. Before the deal was completed, the primary regulator for the acquiring bank, in this case the Federal Reserve, along with state banking agencies and the Department of Justice, had to evaluate the effect of the proposed merger on competition, the financial condition of the new entity and the competence of the managerial resources of the applicant. In addition, bank regulators had to consider each bank?s record in providing credit to lowand moderate-income neighborhoods ...
Profitwise , Issue Jun , Pages 13-16

Journal Article
Leveraging opportunities to promote community reinvestment

The Community Reinvestment Act (CRA) is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound operations. The CRA performance impacts banks and the communities they serve. CRA requirements are embedded in the chartering of financial institutions; and CRA performance ratings are considered in the approval, denial, or conditioning of applications for such activities as branching, consolidation, or acquisitions. Therefore, CRA provides a powerful ...
Profitwise , Issue Sep , Pages 7-13

Working Paper
Does the Community Reinvestment Act influence lending? an analysis of changes in bank low-income mortgage activity

Anecdotal evidence that the Community Reinvestment Act (CRA) influences the lending behavior of financial institutions has not been uniformly supported by empirical research. We revisit this issue by evaluating changes in low-income mortgage lending at commercial banks over the 1992-96 period. Our empirical results fail to support a hypothesis that banks respond to public and regulatory pressure exerted as a result of a downgrade in CRA rating by increasing low-income mortgage lending. The findings are consistent with the contention that during this period regulators stressed adjustments in ...
Working Paper Series , Paper WP-00-6

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