Bank lending to minority and low-income households and neighborhoods: Do community reinvestment agreements make a difference?

Analyzes the Community Reinvestment Act (CRA) of 1977 by examining the outcomes of CRA agreements in the United States. Comparison of the mortgage and home improvement lending of banks with or without agreements; Agreements in the 1980s and 1990s; National Home Mortgage Disclosure Act analysis; Mortgage lending analysis, excluding independent mortgage banks and small banks.