WASHINGTON — With regulators increasingly cracking down on unfair and deceptive acts or practices, more banks are seeing the heightened scrutiny reflected in lower Community Reinvestment Act ratings.

That trend is likely to increase now that the Consumer Financial Protection Bureau has joined the team, industry observers say. Although the bureau does not have authority to enforce CRA, it has a broad mandate to root out fair lending violations, and plans to coordinate closely with the prudential regulators to ensure those findings are factored into CRA ratings.

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