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Author: Dan Immergluck Publisher: Routledge ISBN: 131549812X Category : Business & Economics Languages : en Pages : 329
Book Description
This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Author: Dan Immergluck Publisher: Routledge ISBN: 131549812X Category : Business & Economics Languages : en Pages : 329
Book Description
This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Author: Rebecca K. Marchiel Publisher: University of Chicago Press ISBN: 0226815862 Category : Business & Economics Languages : en Pages : 321
Book Description
"The story of how American banks helped disenfranchise nonwhite urbanities and condemn to blight the very neighborhoods that needed the most investment is infuriating. And yet, by digging into the history of urban finance, Rebecca Marchiel here illuminates how urban activists changed some banks' behavior to support investment in communities that they had once abandoned. These developments, in turn, affected federal urban policy and reshaped banks' understanding of the role that urban communities play in the financial system. The legacy of reinvestment activism is clouded, but Marchiel's detailing of it transforms our understanding of the history and significance of community/bank relations"--Provided by publisher.
Author: United States. Congress Publisher: Createspace Independent Publishing Platform ISBN: 9781983930072 Category : Languages : en Pages : 324
Book Description
The Community Reinvestment Act : thirty years of accomplishments, but challenges remain : hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, second session, February 13, 2008.
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher: ISBN: Category : Bank loans Languages : en Pages : 720
Author: Dan Immergluck
Author: Dan Immergluck
Author: United States
Author: National Community Reinvestment Coalition
Author: Roland E. Brandel
Author: Rebecca K. Marchiel
Author: Gregory D. Squires
Author: United States. Congress
Author: 
Author: Daniel Immergluck
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs