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Housing Policy Debate Volume 16, 2005 - Issue 1
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Original Articles

Assessing the necessity and efficiency of the community reinvestment act

Robert B. Avery Senior Economist in the Division of Research and Statistics, Board of Governors of the Federal Reserve System
,
Raphael W. Bostic Associate Professor in the School of Policy, Planning, and Development, University of Southern California
&
Glenn B. Canner Senior Advisor in the Division of Research and Statistics, Board of Governors of the Federal Reserve System
Pages 143-172 | Published online: 31 Mar 2010

Citations (30)

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Read on this site (11)

Lei Ding, Hyojung Lee & Raphael W. Bostic. (2022) Effects of the Community Reinvestment Act on small business lending. Journal of Urban Affairs 44:9, pages 1224-1243.
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Lei Ding & Leonard Nakamura. (2021) “Don't Know What You Got till It’s Gone”: The Community Reinvestment Act in a Changing Financial Landscape. Journal of Real Estate Research 43:1, pages 96-122.
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Carolina K. Reid. (2020) Quantitative Performance Metrics for the Community Reinvestment Act: How Much Reinvestment Is Enough?. Housing Policy Debate 30:1, pages 61-82.
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Laurie Goodman, Jun Zhu & John Walsh. (2020) The Community Reinvestment Act: What Do We Know, and What Do We Need to Know?. Housing Policy Debate 30:1, pages 83-100.
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Lei Ding & Carolina K. Reid. (2020) The Community Reinvestment Act (CRA) and Bank Branching Patterns. Housing Policy Debate 30:1, pages 27-45.
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Colleen Casey. (2016) Nonprofit Organizations in Governance Arrangements: Adding Democratic Value to Community Reinvestment Act Agreements?. Public Integrity 18:3, pages 290-307.
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John Fitzgerald & Samuel P. Vitello. (2014) Impacts of the Community Reinvestment Act on Neighborhood Change and Gentrification. Housing Policy Debate 24:2, pages 446-466.
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KatrinB. Anacker & KristenB. Crossney. (2013) Analyzing CRA Lending During the Tsunami in Subprime Lending and Foreclosure in the Philadelphia MSA. Housing Studies 28:4, pages 529-552.
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Philip Ashton. (2010) Cra’s “Blind Spots”: Community Reinvestment and Concentrated Subprime Lending in Detroit. Journal of Urban Affairs 32:5, pages 579-608.
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RaphaelW. Bostic & BreckL. Robinson. (2005) What makes community reinvestment act agreements work? A study of lender responses. Housing Policy Debate 16:3-4, pages 513-545.
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Joowon Jeong. Unravelling the impact of the Community Reinvestment Act on SBA lending: Insights from a regression discontinuity design analysis. Journal of Urban Affairs 0:0, pages 1-19.
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Articles from other publishers (19)

DANIEL RINGO. (2022) Mortgage Lending, Default, and the Community Reinvestment Act. Journal of Money, Credit and Banking 55:1, pages 77-102.
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Mee Jung Kim. (2023) Impact of the Community Reinvestment Act on small business employment in lower income neighborhoods. Regional Science and Urban Economics 98, pages 103837.
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PANAGIOTIS AVRAMIDIS, GEORGE PENNACCHI, KONSTANTINOS SERFES & KEJIA WU. (2022) The Role of Regulation and Bank Competition in Small Firm Financing: Evidence from the Community Reinvestment Act. Journal of Money, Credit and Banking 54:8, pages 2301-2340.
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Kenneth P. Brevoort. (2022) Does Giving CRA Credit for Loan Purchases Increase Mortgage Credit in Low-to-Moderate Income Communities?. Finance and Economics Discussion Series:2022-047, pages 1-64.
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W.C. Bunting. (2020) Does increased access to home mortgage money reduce local crime rates? Evidence from San Diego County. Regional Science and Urban Economics 84, pages 103570.
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Hyojung Lee & Raphael W. Bostic. (2020) Bank adaptation to neighborhood change: Mortgage lending and the Community Reinvestment Act. Journal of Urban Economics 116, pages 103211.
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Allison Wainer & Jeffrey Zabel. (2020) Homeownership and wealth accumulation for low-income households. Journal of Housing Economics 47, pages 101624.
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Robert B. Avery & Kenneth P. Brevoort. (2015) The Subprime Crisis: Is Government Housing Policy to Blame?. Review of Economics and Statistics 97:2, pages 352-363.
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Edgar O. Olsen & Jeffrey E. Zabel. 2015. 887 986 .
Neil Bhutta. (2011) The Community Reinvestment Act and Mortgage Lending to Lower Income Borrowers and Neighborhoods. The Journal of Law and Economics 54:4, pages 953-983.
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Mark W Nichols, Jill M Hendrickson & Kevin Griffith. (2011) Was the financial crisis the result of ineffective policy and too much regulation? An empirical investigation. Journal of Banking Regulation 12:3, pages 236-251.
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Andrew H. Baker. (2008) Banks and the Communities They Serve: Time to Legislate?. Liverpool Law Review 29:2, pages 165-182.
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Raphael W BosticKwan Ok Lee. (2008) Mortgages, Risk, and Homeownership among Low- and Moderate-Income Families. American Economic Review 98:2, pages 310-314.
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Raphael W. Bostic & Stuart A. Gabriel. (2006) Do the GSEs matter to low-income housing markets? An assessment of the effects of the GSE loan purchase goals on California housing outcomes. Journal of Urban Economics 59:3, pages 458-475.
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Kenneth Brevoort. (2022) Does Giving CRA Credit for Loan Purchases Increase Mortgage Credit in Low-to-Moderate Income Communities?. SSRN Electronic Journal.
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Panagiotis Avramidis, Konstantinos Serfes & Kejia Wu. (2021) The Role of Regulation and Competition in Information Production and Credit Allocation: Evidence from Small Business Lending. SSRN Electronic Journal.
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W.C. Bunting. (2016) Does Increased Access to Home Mortgage Money Decrease Local Crime Rates?: Evidence from San Diego County. SSRN Electronic Journal.
Crossref
Daniel R Ringo. (2015) Refinancing, Default and the Community Reinvestment Act. SSRN Electronic Journal.
Crossref
Robert B. Avery & Kenneth P. Brevoort. (2011) The Subprime Crisis: Is Government Housing Policy to Blame?. SSRN Electronic Journal.
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