The central thrust of the CRA is to encourage banks to ensure that all creditworthy borrowers have fair access to credit. For banks to be successful in meeting the credit needs of their entire community, it follows that they must guard against discriminatory or unfair and deceptive lending practices. Ensuring fair access to credit is difficult and requires ongoing vigilance.
•  How can macro-prudential supervision take the interconnectedness into account? •  And can network methodologies provide us with a useful tool in this respect? With these questions in mind, I have structured my introductory remarks into three parts. I will first give a short assessment of the relevance of systemic risk in the modern financial system.