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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.


  • Aaron KleinFellow 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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