COMMUNITY REINVESTMENT ACT

Options for Treasury to Consider to Encourage Services and Small-Dollar Loans When Reviewing Framework

Business & Finance, Accounting, Governmental
Cover of the book COMMUNITY REINVESTMENT ACT by Hugues Dumont, Hugues DUMONT
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Author: Hugues Dumont ISBN: 1230002221144
Publisher: Hugues DUMONT Publication: March 18, 2018
Imprint: Language: English
Author: Hugues Dumont
ISBN: 1230002221144
Publisher: Hugues DUMONT
Publication: March 18, 2018
Imprint:
Language: English

A 2015 FDIC survey found that 7 percent of U.S. households were unbanked—meaning no one had a checking or savings account—and about 20 percent were underbanked—meaning the household had such an account but used an AFS provider’s products. The goal of CRA is to encourage financial institutions to help meet the credit needs of the communities in which they operate, including LMI neighborhoods. FRB, FDIC, and OCC periodically evaluate financial institutions’ efforts to meet the credit needs of their communities...

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A 2015 FDIC survey found that 7 percent of U.S. households were unbanked—meaning no one had a checking or savings account—and about 20 percent were underbanked—meaning the household had such an account but used an AFS provider’s products. The goal of CRA is to encourage financial institutions to help meet the credit needs of the communities in which they operate, including LMI neighborhoods. FRB, FDIC, and OCC periodically evaluate financial institutions’ efforts to meet the credit needs of their communities...

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