Research

Posts about NCRC research.

Proposed OCC and FDIC Geographic Analysis of Home Mortgage and Small Business Lending: Permission to Decrease Lending for the Largest Banks?

Executive Summary The proposed changes to the Community Reinvestment Act (CRA) released by the Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC) would radically reconfigure the testing criteria for banks.  A new testing regime would assess low- and moderate-income (LMI) home mortgage and small business lending with a demographic comparison …

Proposed OCC and FDIC Geographic Analysis of Home Mortgage and Small Business Lending: Permission to Decrease Lending for the Largest Banks? Read More »

The CRA Evaluation Measures Would Allow Banks to Relax their Retail Lending to LMI Borrowers and Communities

The Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) have proposed changes that would dramatically alter the Community Reinvestment Act (CRA) examination of banks. Their proposal would create a metric, called the CRA evaluation measure, that would be the dominant measure for determining a bank’s rating. As long as a …

The CRA Evaluation Measures Would Allow Banks to Relax their Retail Lending to LMI Borrowers and Communities Read More »