《社区再投资法》是一部全面的法律,它利用杠杆效应撬动数万亿美元的贷款,为少数种族和工人阶层社区提供投资和银行服务。《社区再投资法》是1977年为应对一些银行拒绝给少数种族和工人社区提供贷款而通过的。自此以后,《社区再投资法》在满足社区信贷需求方面起到了持续和积极的作用2。此外,《社区再投资法》不仅成功的阻止了对社区的贷款歧视,而且也要求银行以一种更为安全和有效的方式,积极的评估和满足社区的需要。 The Community Reinvestment Act is a comprehensive law that leveraged trillions of dollars of leverage on leverage to provide investment and banking services to ethnic and working-class communities. The Community Reinvestment Act was adopted in 1977 in response to the refusal by some banks to lend to ethnic and worker communities. Since then, the Community Reinvestment Act has played a consistent and positive role in meeting the needs of community credit2. In addition, the Community Reinvestment Act not only succeeded in preventing loan discrimination against the community, but also required banks to actively assess and meet the needs of the community in a safer and more efficient manner.