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作者 Green, Phyllis Marie
書名 National policy and local action in the Community Reinvestment Act: A case study of Wilmington, Delaware
國際標準書號 9780591431568
book jacket
說明 154 p
附註 Source: Dissertation Abstracts International, Volume: 58-05, Section: A, page: 1805
Professor in Charge: Robert Warren
Thesis (Ph.D.)--University of Delaware, 1995
Urban disinvestment is a persistent and chronic problem that impacts the viability of the city. The physical impacts of disinvestment, blight, deteriorated infrastructure, abandoned buildings and inferior housing are apparent in most major cities. For decades, communities have suffered from an availability of desperately needed capital that can be used to change these conditions. Despite the overwhelming impact of physical deterioration, some communities are working to develop and implement programs that will redress problems associated with decades of disinvestment. Increasingly, community based organizations are working to increase the flow of capital into the community through the use of the Home Mortgage Disclosure Act (HMDA), the Community Reinvestment Act (CRA) and the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA). These three legislative Acts can help communities begin the revitalization process by increasing the number of home mortgage and improvement loans, small business loans and real estate transactions in the affected areas
Nationwide within the last ten years, community organizations have sought to hold financial institutions accountable for their role in disinvestment. Even though CRA related agreements have existed between community organizations and financial institutions for over a decade, assessment of the agreements' outcome has not been systematically nor routinely undertaken. This work analyzes the role of federal regulators, community organizations and financial institutions in the development and implementation of community reinvestment initiatives. It focuses on community organizations use of HMDA, CRA and FIRREA to negotiate agreements with financial institutions. Specifically, this work examines the results of the negotiation and agreement process of the Delaware Community Reinvestment Action Council (DCRAC) and its agreements with Bank of Delaware, Delaware Trust and Wilmington Savings Fund Society located in Wilmington, Delaware
School code: 0060
Host Item Dissertation Abstracts International 58-05A
主題 Political Science, General
Political Science, Public Administration
Business Administration, Banking
Alt Author University of Delaware
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