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• catalog abstract ""Credit to the Community provides the an examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets and documents the persistence of such problems even today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of United States to the ongoing support government provides through the subsidization of secondary markets and the maintenance of critical regulatory infrastructure." "Dan Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives a new voice to rationales for such social contract policies as the Community Reinvestment Act (CRA). He also provides a long-term analysis on the failure of federal bank regulators to enforce the CRA and shows how successful periods of increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the twenty-first century."--Jacket.".
• catalog contributor b13314180.
• catalog created "c2004.".
• catalog date "2004".
• catalog date "c2004.".
• catalog dateCopyrighted "c2004.".
• catalog description ""Credit to the Community provides the an examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets and documents the persistence of such problems even today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of United States to the ongoing support government provides through the subsidization of secondary markets and the maintenance of critical regulatory infrastructure."".
• catalog description ""Dan Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives a new voice to rationales for such social contract policies as the Community Reinvestment Act (CRA). He also provides a long-term analysis on the failure of federal bank regulators to enforce the CRA and shows how successful periods of increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the twenty-first century."--Jacket.".
• catalog description "Includes bibliographical references and index.".
• catalog description "Introduction -- The visible hand of government in the U.S. credit markets -- Discrimination, redlining, and financial restructuring in business credit markets -- A brief history of mortgage-lending discrimination and redlining -- From fair access to credit to access to fair credit -- Mobilizing for credit : community activism, policy adoption, and implementation through 1987 -- Community reinvestment from 1988 to the end of the twentieth century : struggles for bank and regulator accountability -- The predatory lending policy debate -- The Community Reinvestment Act and Fair Lending Policy in the twenty-first century.".
• catalog extent "xii, 315 p. :".
• catalog hasFormat "Credit to the community.".
• catalog identifier "0765612585 (cloth : alk. paper)".
• catalog isFormatOf "Credit to the community.".
• catalog isPartOf "Cities and contemporary society".
• catalog issued "2004".
• catalog issued "c2004.".
• catalog language "eng".
• catalog publisher "Armonk, N.Y. : M.E. Sharpe,".
• catalog relation "Credit to the community.".
• catalog spatial "United States.".
• catalog subject "332.7/08/0973 22".
• catalog subject "Bank loans United States.".
• catalog subject "Community development United States.".
• catalog subject "Discrimination in consumer credit United States.".
• catalog subject "Discrimination in mortgage loans United States.".
• catalog subject "HG1642.U5 I46 2004".
• catalog subject "Mortgage loans United States.".
• catalog tableOfContents "Introduction -- The visible hand of government in the U.S. credit markets -- Discrimination, redlining, and financial restructuring in business credit markets -- A brief history of mortgage-lending discrimination and redlining -- From fair access to credit to access to fair credit -- Mobilizing for credit : community activism, policy adoption, and implementation through 1987 -- Community reinvestment from 1988 to the end of the twentieth century : struggles for bank and regulator accountability -- The predatory lending policy debate -- The Community Reinvestment Act and Fair Lending Policy in the twenty-first century.".
• catalog title "Credit to the community : community reinvestment and fair lending policy in the United States / Dan Immergluck.".
• catalog type "text".