This growing shortage underscores the importance of the incentives provided by the CRA for the production and rehabilitation of affordable housing. With the demand for affordable units significantly exceeding supply, it is essential to strengthen the incentives for these loans and investments as part of CRA modernization.
10  Risa Lavizzo-Mourey (2012), “Why Health, Poverty, and Community Development Are Inseparable (PDF),” in Federal Reserve Bank of San Francisco and Low Income Investment Fund, Investing in What Works for America’s Communities: Essays on People, Place, and Purpose (San Francisco: FRBSF and LIIF), pp. 215–25.