Community Development Community Reinvestment Act (CRA)
Building a Strategic Qualified Investment Program Under CRAQualified investments are one of the broadest and most collaborative areas of Community Reinvestment Act (CRA) compliance. Unlike lending or service activities that may sit within more defined operational functions, qualified investments often require coordination across treasury, capital markets, community development, philanthropy, marketing, and executive leadership. A qualified investment under CRA is generally a lawful […]
Fair Lending Regulatory Updates
Maryland HB 573: What Complaint-Driven Disparate Impact Enforcement Means for LendersMaryland's HB 573, signed into law May 26, 2026 and effective October 1, 2026, may be one of the clearest examples yet of a broader shift occurring in fair lending oversight. While recent federal actions may have narrowed the role of disparate impact theory in some regulatory contexts, Maryland has chosen to codify disparate impact […]
CRA Fair Lending Redlining
Majority-Minority Census and Low-Moderate Income Tracts Overlap: Understand the DifferencesMajority-minority census tracts (MMCTs) and low- and moderate-income (LMI) census tracts are sometimes treated as interchangeable in fair lending and CRA analysis. They are not. MMCTs measure race and ethnicity composition, while LMI tracts measure income levels. Understanding where they overlap and where they do not overlap is fundamental to building a defensible fair lending […]
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