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| Knowledge@Wharton |
Have Banks, After 25 Years, Made Peace with the Community Reinvestment Act? History and enforcement of the CRA, and how it can be improved.   |
U.S. Banker
June 2010
Alan Kline |
A Modest Proposal for Enhancing CRA If ever there was a piece of legislation that deserves to be stopped dead in its tracks it is Rep. Jeb Hensarling's proposal to repeal the Community Reinvestment Act. |
U.S. Banker
November 2007
Karen Krebsbach |
CUs Gird for Battle over CRA Rules Recent remarks about whether credit unions and other nonbank lending firms should participate in Community Reinvestment Act requirements have raised the specter of that age-old argument, with credit union representatives solidly on one side and bankers on the other. |
OCC Bulletin
February 9, 2006 |
OCC Bulletin Subject: Community Reinvestment Act Description: Hurricanes Katrina and Rita The Office of the Comptroller of the Currency (OCC) encourages national banks to help meet the financial needs of their customers and their communities. |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The revisions to the Community Reinvestment Act regulations, effective September 1, 2005, include a new test -- the community development test -- for intermediate small banks. |
BusinessWeek
May 5, 2011
Clea Benson |
A Renewed Crackdown on Redlining In the wake of the subprime implosion, the Obama Administration has stepped up its scrutiny of disadvantaged neighborhoods' credit access. |
Bank Director
1st Quarter 2011
Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry. |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The final rule revising the Community Reinvestment Act will make key changes to the Office of the Comptroller of the Currency regulations. |
OCC Bulletin
May 8, 2001 |
Availability of "A Guide to CRA Data Collection and Reporting" The Federal Financial Institutions Examination Council (FFIEC) has made A Guide to Community Reinvestment Act Data Collection and Reporting available on its Internet Web site... |
Bank Systems & Technology
June 24, 2008
Ann Grochala |
In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system. |
OCC Bulletin
April 12, 2005 |
Community Reinvestment Act A joint interim rule for the Community Reinvestment Act (CRA) regulations has been adopted in final form, without change. |
OCC Bulletin
June 28, 2001 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host state loan-to-deposit ratios that the banking agencies will use to determine compliance... |
U.S. Banker
February 2010
Rob Garver |
What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all. |
U.S. Banker
May 2006
Lee Conrad |
Loans in Hurricane Areas Count as CRA Investments Small banks can lend outside their home markets. |
OCC Bulletin
March 21, 2005 |
Community Reinvestment Act Notice of Proposed Rulemaking: In response to public comment, the governing agencies are proposing four key changes to the Community Reinvestment Act (CRA) regulations. The comment period ends May 10, 2005. |
The Motley Fool
March 26, 2007
David Lee Smith |
Here Come the Mortgage Regulators With subprime lending continuing to plummet, House and Senate hearings run the risk of further retarding a recovery in housing. |
OCC Bulletin
July 20, 2004 |
Community Reinvestment Act Regulations A recent Joint Interim Rule makes no substantive changes in the requirements of the CRA regulations. Instead, it conforms those regulations to changes to several existing standards and regulations. |
Bank Technology News
September 2001
Joseph McKendrick |
Compliance Gets Complex A changing world brings banks new regulatory challenges... |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
BusinessWeek
February 4, 2010
John Tozzi |
How Goldman Profits from Nonprofits Community development groups are helping bankers reduce the risks of lending to small companies. |
OCC Bulletin
July 30, 2001 |
Community Reinvestment Act 2001 Interagency Questions and Answers -- a comprehensive interpretation of the Community Reinvestment Act (CRA) regulations... |
HBS Working Knowledge
September 22, 2014
Karen Mills |
Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth. |
HBS Working Knowledge
August 4, 2014 |
Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons. |
OCC Bulletin
April 6, 2006 |
Community Reinvestment Act Description: Interagency Questions and Answers The guidance provides examples of revitalization and stabilization activities in designated disaster areas. |
FDIC FYI
September 17, 2003
Susan Burhouse |
Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks. |
OCC Bulletin
July 3, 2006 |
Community Reinvestment Act Description: List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies A new 2006 list of distressed or underserved nonmetropolitan middle-income geographies in which bank revitalization or stabilization activities will receive Community Reinvestment Act (CRA) consideration as community development is now available. |
OCC Bulletin
January 22, 2007 |
Community Reinvestment Act Two separate revisions are made to the CRA regulation in this rulemaking. |
U.S. Banker
March 2011
Barbara A. Rehm |
Washington, We Have a Problem Bankers all over the country have the same complaints: Examiners are making increasingly tougher demands requiring corrective action on unreasonably tight deadlines. |
OCC Bulletin
September 19, 2005 |
Hurricane Katrina The Office of the Comptroller of the Currency has issued guidance to assist national banks and their customers affected by Hurricane Katrina. |
OCC Bulletin
December 29, 2000 |
Large Bank Community Reinvestment Act Examinations The guidance, which will be used at all banks examined as large banks, implements the OCC's approach to evaluating a large bank's CRA activities over an "examination cycle"... |
OCC Bulletin
July 2, 2003 |
Community Reinvestment Act 2000 U.S. Census and 2003 Department of Housing and Urban Development estimated median family incomes for metropolitan statistical areas and non-MSA portions of each state. The annual HUD data are used to determine borrower income levels in CRA performance evaluations. |
Bank Director
3rd Quarter 2009
TK Kerstetter |
A Tribute to Bill Seidman Bank Director honors its late publisher, supporter, and friend, Bill Seidman, who passed away this year. |
OCC Bulletin
May 31, 2000 |
Community Reinvestment Act 1990 U.S. Census and 2000 Department of Housing and Urban Development (HUD) estimated median family incomes for metropolitan statistical areas (MSA) and non-MSA portions of each state... |
OCC Bulletin
July 13, 1999 |
Community Reinvestment Act Estimates of median family incomes used to determine borrower income levels in Community Reinvestment Act (CRA) performance evaluations. |
Financial Advisor
September 2005 |
Advisor Emporium Fidelity FundsNetwork Adds CRA Qualified Investment Fund... PSD Offers Innovative Coaching Program To Registered Reps... CashEdge Adds Capabilities To Wealth Management Suite... The American College Adds FSS Program Course... etc. |
