Credit to the Community (Cities and Contemporary Society): Community Reinvestment and Fair Lending Policy in the United States

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Overview

"Credit to the Community provides the an 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 even 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 United States to the ongoing support government provides through the subsidization of secondary markets and the maintenance of critical regulatory infrastructure." Dan Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives a new voice to rationales for such social contract policies as the Community Reinvestment Act (CRA). He also provides a long-term analysis on the failure of federal bank regulators to enforce the CRA and shows how successful periods of 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 twenty-first century.
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Product Details

  • ISBN-13: 9780765612588
  • Publisher: Sharpe, M. E. Inc.
  • Publication date: 5/26/2004
  • Series: Cities and Contemporary Society Series
  • Edition description: New Edition
  • Pages: 315
  • Product dimensions: 6.26 (w) x 9.22 (h) x 0.98 (d)

Table of Contents

1 Introduction 3
2 The visible hand of government in U.S. credit markets 19
3 Discrimination, redlining, and financial restructuring in business credit markets 52
4 A brief history of mortgage-lending discrimination and redlining 87
5 From fair access to credit to access to fair credit 109
6 Mobilizing for credit : community activism, policy adoption, and implementation through 1987 133
7 Community reinvestment from 1988 to the end of the twentieth century : struggles for bank and regulator accountability 168
8 The predatory lending policy debate 211
9 The Community Reinvestment Act and fair lending policy in the twenty-first century 236
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