The Community Reinvestment Act (CRA) is a landmark law enacted in 1977 to address systemic inequities in access to credit. The CRA encourages banks to help meet the credit needs of their entire communities in which they do business, with a focus on low- and moderate-income (LMI) communities, consistent with safe and sound operations.
The Community Reinvestment Act (CRA), enacted by Congress in 1977, has served as a pillar of community development by ensuring that depository banking institutions provide capital and financial services to low-income communities in which they operate.
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