Looking at these activities separately helps to ensure that we are comprehensively evaluating bank activity and that we are taking both retail and community development activity into consideration. Third, we also hope the ANPR will provide a foundation for a consistent approach that has broad support among stakeholders. Stakeholders have expressed strong support for the agencies to work together to modernize CRA.
The swans I see on the Amstel river, the ones that have a calming, mesmerizing effect on me are, of course, not the green swans this conference refers to. Nevertheless, they have some important  commonalities. The gracefulness of a swan obscures what happens beneath the water’s surface. It conceals what it takes to propel action. It makes the hard look easy.