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Credit to the Community - Community Reinvestment and Fair Lending Policy in the United States (Hardcover, New)
Loot Price: R3,860
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Credit to the Community - Community Reinvestment and Fair Lending Policy in the United States (Hardcover, New)
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This book provides the most comprehensive examination of community
reinvestment and fair lending problems and policies currently
available. It outlines the history of lending discrimination and
redlining in U.S. mortgage and small business lending markets, and
documents the persistence of such problems today. The author
explains the role that government has played in developing banking
and credit markets in the United States, from the creation of
Alexander Hamilton's First Bank of the United States to the ongoing
support government provides through the subsidization of secondary
markets and through maintenance of critical regulatory
infrastructure. Immergluck takes issue with those calling for
deregulation of financial services - especially in the arena of
fair lending and consumer protection - and gives new voice to
rationales for social contract policies such as the Community
Reinvestment Act. He provides new long-term analysis of the failure
of federal bank regulators to enforce the CRA, and also shows how
increased community activism and media attention have led to
sporadic periods of stronger CRA enforcement. Finally, he
recommends a number of policy changes that are needed to modernize
the nation's fair lending and community reinvestment laws and make
them more relevant for the 21st century.
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