The banking industry stands at the threshold of a new era for CRA enforcement. It is no longer going to be a show-and-tell paperwork exercise - actual loan results will be the deciding criteria.

What has happened with the Community Reinvestment Act since the beginning of the year has been more volatile than what occured during the previous 12 years of Republicans in the White House. Back in January, th independent banking lobbyists mounted an attempt to repeal CRA.

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