Under the Current CRA Rules, Banks Earn Most of Their CRA Credit through Community Development and Single-Family Mortgage Lending

Urban Institue, July 2020–Laurie Goodman, Ellen Seidman, Jun Zhu
While the analysis finds only modest changes from 2016 to 2018, the researchers are concerned that CRA lending in 2020 will be muted, thanks to a tightening of the credit box during the pandemic.