Perspectives and proposals on the Community Reinvestment Act: hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, U.S. House of Representatives, One Hundred Eleventh Congress, second session, April 15, 2010
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Askew William E Senior Policy Advisor The Financial Services Roundtable
Ludwig Hon Eugene A Chief Executive Ofﬁcer Promontory Financial
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afﬁliates African American assessment area bank’s banking industry beneﬁt billion branches census tracts Chairman GUTIERREZ Citibank CitiFinancial Citigroup Community Reinvestment Act Comptroller Congress consumer CRA assessment CRA examination CRA exams CRA lending CRA loans CRA performance CRA ratings CRA regulations CRA’s credit needs credit unions deﬁned depository institution deposits disclosure discrimination economic enforcement evaluation expand FDIC Federal Reserve Bank ﬁnancial institutions ﬁnancial markets ﬁnancial products ﬁnancial services ﬁnancing ﬁnd ﬁrms ﬁrst foreclosure Hensarling Hispanic HMDA data holding company Home Mortgage housing impact income increased institution’s issues Latino legislation lenders lending test LMI borrowers low-income minority moderate-income communities moderate-income neighborhoods mortgage companies National NCRC recommendation non-bank non-CRA Ofﬁce percent predatory lending proﬁtable programs racial redlining reﬂect regulatory agencies require securitization serve service test signiﬁcant signiﬁcantly small banks small business speciﬁcally subprime lending subprime loans Subprime Meltdown subprime mortgages thrifts underserved Urban