We are joined by Diego Zuluaga, a Cato Institute policy analyst, for a discussion of the proposed changes.  After reviewing the current regulatory framework, we examine the proposal’s new qualifying activities criteria and approach to “branchless banking” in determining assessment areas, respond to criticism of its approach to public projects, look at the small bank

In this podcast, Diego Zuluaga, a Cato Institute policy analyst, joins us for a discussion of the CRA’s history, its effectiveness in increasing access to credit and addressing discrimination, the role of community groups, calls to expand CRA coverage to credit unions and fintech lenders, how regulators are approaching CRA reform, and creating a system