Ending Redlining Through a Community-Centered Reform of the Community Reinvestment Act

Publication Date: April 1, 2025

With the Community Reinvestment Act (CRA) turning 50 in 2027, it’s time to take a close look at whether or it is achieving its goal of addressing inequities in access to credit, particularly for low- and moderate-income communities. The book covers the following: Practices that Contributed to Community Decline, How the CRA Works, Reinvestment: Leveraging the CRA at the Community Level, and other topics central to understand why the very communities CRA was designed to serve are still facing discrimination in lending practices. The book also offers ways forward to dramatically improve the situation so CRA can be a vital force for change in low-income communities.