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Lending has changed substantially since the mid-1990s, and Community Reinvestment Act (CRA) regulations have been slow to catch up. With the Office of the Comptroller of the Currency’s recent Advance Notice of Proposed Rulemaking, revisions to the CRA regulatory framework are being actively discussed.
This Sunrise Seminar will present and discuss findings from an Urban Institute report, commissioned by the National Association of Affordable Housing Lenders, that analyzes data on recent lending subject and not subject to CRA, including single and multifamily housing, community development, small business and small farm loans. Panel experts will discuss the differences in lending behaviors between bank and nonbank lenders; CRA lending by small and large banks; and banks’ importance to their communities and to low- and moderate-income people. Finally, panelists will discuss the implications of the study’s findings for CRA policy, and how revised CRA regulations can enable lenders to serve community needs in a more modern, effective way.
- Laurie Goodman, Vice President, Housing Finance Policy Center, Urban Institute
- James Matthews, Senior Vice President, CRA Compliance, Capital One Financial Corporation
- Lisa Mensah, President and CEO, Opportunity Finance Network
- Benson F. “Buzz” Roberts, President and CEO, National Association of Affordable Housing Lenders
- Josh Silver, Senior Advisor, National Community Reinvestment Coalition
- Theresa Stark, Senior Policy Analyst, Federal Reserve Board
- Ellen Seidman, Nonresident Fellow, Urban Institute (moderator)