Changes

However, the changes were not received positively by all community groups. Changes to tests conducted on the Intermediate Small category were viewed by some as decreasing the institutions' obligations to meet lending requirements of low- and moderate-income households.  Racial inequities in [[mortgage]] acceptance rates (as reported by [[Inner City Press]], [[the National Community Reinvestment Coalition]], [[ACORN]] and other groups) are cited as a primary reason to maintain or even increase the scope of the CRA.

However, the changes were not received positively by all community groups. Changes to tests conducted on the Intermediate Small category were viewed by some as decreasing the institutions' obligations to meet lending requirements of low- and moderate-income households.  Racial inequities in [[mortgage]] acceptance rates (as reported by [[Inner City Press]], [[the National Community Reinvestment Coalition]], [[ACORN]] and other groups) are cited as a primary reason to maintain or even increase the scope of the CRA.

==Criticism==

==CRA and the Fannie Mae crisis==

Critics claim that government policy encouraged the development of the [[Subprime mortgage crisis| subprime debacle]] through legislation like the CRA, which in effect forces banks to lend to the same otherwise uncreditworthy consumers they are now being criticized for accepting.<ref>{{cite web |title=The Government-Created Subprime Mortgage Meltdown  

Critics claim that government policy encouraged the development of the [[Subprime mortgage crisis| subprime debacle]] through legislation like the CRA, which in effect forces banks to lend to the same otherwise uncreditworthy consumers they are now being criticized for accepting.<ref>{{cite web |title=The Government-Created Subprime Mortgage Meltdown  

|url=http://www.lewrockwell.com/dilorenzo/dilorenzo125.html  

|url=http://www.lewrockwell.com/dilorenzo/dilorenzo125.html