WASHINGTON - The Treasury Department issued a study Wednesday detailing a massive surge in lending under the Community Reinvestment Act over the past decade, prompting experts to question whether the trend could be sustained.

The issue is pivotal, because the study is the first step in a two-year effort by regulators to measure the impact of changes to the 23-year-old reinvestment law under the Gramm-Leach-Bliley Act of 1999.

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