11 I made similar visits to communities in areas ranging from El Paso’s colonias to Kansas City, from Pine Ridge to Milwaukee, from the Mississippi Delta to Ferguson, Missouri, and from Hazard, Kentucky, to Rochester, New York. Despite wide variations, in all of these places, I met people working to strengthen their communities.
To ensure its continued effectiveness in supporting these efforts, the CRA regulation must evolve along with the landscape of banking and community development. To that end, the Board’s ANPR seeks to advance the CRA’s core purpose of addressing inequities in credit access and ensuring an inclusive financial services industry.