The Community Reinvestment Act (CRA) and Bank Branching Patterns

References

• Avery, R. B., Bostic, R. W., Calem, P. S., & Canner, G. B. (1999). Consolidation and bank branching patterns. Journal of Banking and Finance, 23(2–4), 497–532.
   Web of Science ®Google Scholar
• Avery, R. B., Bostic, R. W., & Canner, G. B. (2005). Assessing the necessity and efficiency of the Community Reinvestment Aact. Housing Policy Debate, 16(1), 143–172.
   Web of Science ®Google Scholar
• Avery, R. B., & Brevoort, K. P. (2015). The subprime crisis: Is government housing policy to blame? Review of Economics and Statistics, 97(2), 352–363.
   Web of Science ®Google Scholar
• Barr, M. (2005). Credit where it counts: The Community Reinvestment Act and its critics. New York University Law Review, 75(600), 101–233.
   Google Scholar
• Belsky, E. S., Schill, M., & Yezer, A. (2001). The effect of the Community Reinvestment Act on bank and thrift home mortgage lending. Cambridge, MA: Joint Center for Housing Studies of Harvard University. Retrieved from www.jchs.harvard.edu/research/publications/effect-community-reinvestment-act-bank-and-thrift-home-purchase-mortgage
   Google Scholar
• Bhutta, N. (2011). The Community Reinvestment Act and mortgage lending to lower income borrowers and neighborhoods. Journal of Law and Economics, 54(4), 953–983.
   Web of Science ®Google Scholar
• Bostic, R. W., & Lee, H. (2017). Small business lending under the Community Reinvestment Act. Cityscape: A Journal of Policy Development and Research, 19(2), 63–84.
   Web of Science ®Google Scholar
• Brevoort, K. P., & Hannan, T. H. (2006). Commercial lending and distance: Evidence from Community Reinvestment Act data. Journal of Money, Credit and Banking, 38(8), 1991–2012.
   Web of Science ®Google Scholar
• Dahl, D., Evanoff, D. D., & Spivey, M. F. (2002). Community Reinvestment Act and changes in targeted lending. International Regional Science Review, 25(3), 307–322.
   Web of Science ®Google Scholar
• Ding, L., Lee, H., & Bostic, R. W. (2018). Effects of the Community Reinvestment Act (CRA) on small business lending (Working Paper, pp 18–27). Philadelphia, PA: Federal Reserve Bank of Philadelphia.
   Google Scholar
• Ding, L., & Nakamura, L. I. (2017). “Don’t know what you got till it’s gone”— The effects of the Community Reinvestment Act (CRA) on mortgage lending in the Philadelphia market (Working Paper No. 17-15). Philadelphia, PA: Federal Reserve Bank of Philadelphia.
   Google Scholar
• Ergungor, O. E. (2010). Bank branch presence and access to credit in low-to-moderate-income neighborhoods. Journal of Money, Credit and Banking, 42(7), 1321–1349.
   Web of Science ®Google Scholar
• Gabriel, S. A., & Rosenthal, S. S. (2009). Government-sponsored enterprises, the Community Reinvestment Act and home ownership in targeted underserved neighborhoods. In E. L. Glaeser & J. M. Quigley (Eds.), Housing markets and the economy: Risk, regulation and policy (pp. 202–232). Cambridge, MA: Lincoln Institute of Land Policy.
   Google Scholar
• Getter, D. E. (2015). The effectiveness of the Community Reinvestment Act. Washington, DC: Congressional Research Service.
   Google Scholar
• Lang, W. M., & Nakamura, L. I. (1993). A model of redlining. Journal of Urban Economics, 33(2), 223–234.
   Web of Science ®Google Scholar
• Morgan, D., Pinkovskiy, M., & Yang, B. (2016, March 7). Banking deserts, branch closings, and soft information. New York, NY: Federal Reserve Bank of New York, Liberty Street Economics.
   Google Scholar
• National Community Reinvestment Coalition (NCRC). (2017). Bank branch closures from 2008–2016: Unequal impact in America’s heartland. Washington, DC: Research Memo, Author.
   Google Scholar
• Nguyen, H.-L. Q. (2019). Are credit markets still local? Evidence from bank branch closings. American Economic Journal: Applied Economics, 11(1), 1–32.
   Web of Science ®Google Scholar
• Office of the Comptroller of the Currency. (2018). Reforming the Community Reinvestment Act regulatory framework. Federal Register, 83(172), 45053–45059.
   Google Scholar
• Reid, C., & Laderman, E. (2011). “Constructive credit: Revisiting the performance of Community Reinvestment Act lending during the subprime crisis.” In M. Smith & S. Wachter (Eds.), The American mortgage system: Rethink, recover, rebuild (pp. 159–86). Philadelphia: University of Pennsylvania Press.
   Google Scholar
• Ringo, D. (2017). “Mortgage lending, default, and the Community Reinvestment Act,” Retrieved from https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2585215
   Google Scholar
• Servon, L. J. (2017). The unbanking of America: How the new middle class survives. New York: Houghton Mifflin Harcourt.
   Google Scholar
• Sumit, A., Chomsisengphet, S., Liu, C., & Souleles, N. S. (2010). Benefits of relationship banking: Evidence from consumer credit markets (Working Paper No. 2010-15). Chicago, IL: Federal Reserve Bank of Chicago.
   Google Scholar
• Sumit, A., & Hauswald, R. (2010). Distance and private information in lending. Review of Financial Studies, 23(7), 2757–2788.
   Web of Science ®Google Scholar
• Tranfaglia, A. (2018). Shrinking networks: A spatial analysis of bank branch closures (Working Paper No. 18-12). Federal Reserve Bank of Philadelphia.
   Google Scholar