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Community Reinvestment

The Community Reinvestment Act (CRA) is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate. The CRA’s “sister” legislation, the Home Mortgage Disclosure Act (HMDA), is intended to provide the public with mortgage lending data to help determine if financial institutions are serving the housing needs of their communities. Empire Justice provides analysis of any changes to these laws or their regulations, and provides research and analysis pertaining to CRA and HMDA data, including commenting on bank CRA exams.

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