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Economic Perspectives, 20, 4th, No. 6, November 1996
CRA and fair lending regulations: Resulting trends in mortgage lending
This article provides background on the evolution of Community Reinvestment Act (CRA) and fair lending regulations, summarizes the relevant economic literature, and evaluates the effectiveness of the regulations by analyzing recent trends in mortgage lending activity. Are the trends in line with the intent of the regulations? Can the trends be attributed to the regulations.


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