Explainer Episode 8 – The Community Reinvestment Act

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Passed in 1977, the Community Reinvestment Act (CRA) was intended to encourage banks and other financial institutions to lend to lower-income individuals in their communities. Has the CRA succeeded in this goal or is there room for improvement? Aaron Klein and Diego Zuluaga weigh in on this important question.

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Aaron Klein

Fellow in Economic Studies and Policy Director, Center on Regulation and Markets

Brookings Institution


Diego Zuluaga

Policy Analyst, Center for Monetary and Financial Alternatives

Cato Institute


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