I was fascinated by the same questions decades later and felt a renewed urgency as I watched the fallout of the Global Financial Crisis from the heart of industrial Michigan. I first noticed the once-unimposing campus food bank when lines of students began to form at its doors.
Fifth, we have received many suggestions about how to increase the consistency and predictability of CRA evaluations and ratings. Although we are still in the process of working through the public’s comments, those we have read so far suggest general support for the view that the CRA regulations and examinations would benefit from more clarity, consistency, and predictability.