Bankers, regulators, and community activists rarely agree on anything. But at a meeting of the Federal Reserve Board's Consumer Advisory Council last week, there was broad support for a suggestion by Fed Governor Lawrence B. Lindsey to return to a five-tier system to rate compliance with the Community Reinvestment Act.

Since last year, regulators have used a four-tier system: "outstanding," "satisfactory," "needs improvement," and "substantial noncompliance." But four out of five institutions are rated "satisfactory," and many of them think they deserve a better grade.

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