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Does the CRA Increase Household Access to Credit?

Erica Bucchieri, Jacob Conway, Jack Glaser () and Matthew Plosser
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No 20230227, Liberty Street Economics from Federal Reserve Bank of New York

Abstract: Congress passed the Community Reinvestment Act (CRA) in 1977 to encourage banks to meet the needs of borrowers in the areas in which they operate. In particular, the Act is focused on credit access to low- and moderate-income communities that had historically been subject to discriminatory practices like redlining.

Keywords: debt; consumer; Community Reinvestment Act (CRA); Inequality (search for similar items in EconPapers)
JEL-codes: G2 G21 (search for similar items in EconPapers)
Date: 2023-02-27
New Economics Papers: this item is included in nep-mfd
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