Readings and Remarks

From the Minneapolis Fed

Community Dividend Articles

With bank support, arts organizations help build better communities
April 2014

Recent rule changes expand definition of community development under the CRA
July 2011

2005 revisions define new CRA-eligible geographic areas
March 2007

CRA exam basics and Ninth District breakdown
March 2007

Policy summit highlight: CRA changes create new bank category
November 2005

Federal banking agencies institute new CRA rules
September 2005

A unique partnership provides housing help in Montana
August 2004

Three-part series highlights development tools
November 2001

Community development under the CRA: Review of the 1995 regulations begins
August 2001

A conversation with … JoAnne Lewellen, former Community Affairs Officer, Federal Reserve Bank of Minneapolis
August 2001

Bank CDCs: Building partnerships for community development
December 1997

From Other Feds

Using Credit Reporting Agency Data to Assess the Link between the Community Reinvestment Act and Consumer Credit Outcomes [pdf]
Federal Reserve of Boston
September 2013

Trends in Small Business and Small Farm Loans
Federal Reserve Bank of Atlanta
May/June 2013

The Community Reinvestment Act and Small Business Lending in Low- and Moderate-Income Neighborhoods During the Financial Crisis [pdf]
Federal Reserve Bank of San Francisco
October 2010

Revisiting the CRA: Perspectives on the Future of the Community Reinvestment Act [pdf]
A joint publication of the Federal Reserve Banks of Boston and San Francisco
February 2009

Federal Reserve Board Staff Analysis of the Relationship between the CRA and the Subprime Crisis [pdf]
Board of Governors of the Federal Reserve System 
November 21, 2008

The Twenty-Fifth Anniversary of the Community Reinvestment Act: Past Accomplishments and Future Regulatory Challenges [pdf]
Federal Reserve Bank of New York
June 2003

The Effects of the Community Reinvestment Act on Local Communities [pdf]
Board of Governors of the Federal Reserve System
March 25, 2003

Regulatory Incentives and Consolidation: The Case of Commercial Bank Mergers and the Community Reinvestment Act [pdf]
Federal Reserve Bank of Chicago
May 21, 2002

The Performance and Profitability of CRA-Related Lending [pdf]
Federal Reserve Board of Governors report to Congress
July 17, 2000

Speeches and Testimony

Speeches

Selected remarks about the Community Reinvestment Act, delivered by members of the Board of Governors of the Federal Reserve System

Building Sustainable Communities
Governor Elizabeth A. Duke
March 27, 2012

CRA: A Framework for the Future
Governor Elizabeth A. Duke
February 24, 2009

The Community Reinvestment Act and the Recent Mortgage Crisis
Governor Randall S. Kroszner
December 3, 2008

The Community Reinvestment Act: Its Evolution and New Challenges
Chairman Ben S. Bernanke
March 2007

Empowering Communities, Attracting Development Capital, and Creating Opportunities
Chairman Alan Greenspan
March 18, 2005

CRA at Twenty-Five
Governor Edward M. Gramlich
April 8, 2002

Lending to lower-income households
Governor Edward M. Gramlich
March 1, 2002

Preparing for CRA 2002
Governor Edward M. Gramlich
October 23, 2001

CRA and Financial Modernization
Governor Edward M. Gramlich
March 7, 2000

Testimony

Selected appearances before the Subcommittee on Domestic Policy, Committee on Oversight and Government Reform, U.S. House of Representatives

The Community Reinvestment Act and fair lending examination processes
Sandra Braunstein
Director, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System
October 24, 2007

Bank mergers, Community Reinvestment Act enforcement, subprime mortgage lending, and foreclosures
Sandra Braunstein
Director, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System
May 21, 2007