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Consumers Union recommends improvements to Community Reinvestment Act regulations

Consumers Union is pleased to participate in this process to develop regulatory improvements to help to keep the Community Reinvestment Act (CRA) relevant and effective in the fast-changing U.S. marketplace for financial services. The great promise of CRA is that its requirement to serve the needs of all parts of the community will open banks’ eyes to find, develop, and use business opportunities to serve low and moderate income individuals and their communities. We first set forth some goals and impacts that a well-implemented CRA should achieve, then examine the regulatory changes that will promote and support those outcomes.