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The Community Reinvestment Act (CRA, P.L. 95-128, 91 Stat. 1147, title VIII of the Housing and Community Development Act of 1977, 12 U.S.C. § 2901 et seq.) is a United States federal law designed to encourage commercial banks and savings associations to help meet the needs of borrowers in all segments of their communities, including low- and moderate-income neighborhoods.
However, on August 8, 2011, Standard & Poor's lowered the ratings on clearing facilities, including the OCC, to double-A-plus, one step below the triple-A rating. OCC issued a statement in response to the downgrade that included this quote from OCC's then-chairman and CEO Wayne P. Luthringshausen: “This rating change will have no negative ...
[citation needed] It required the agencies to issue Community Reinvestment Act (CRA) ratings publicly and do written performance evaluations using facts and data to support the agencies' conclusions. It also required a four-tiered CRA examination rating system with performance levels of "Outstanding," "Satisfactory," "Needs to Improve," or ...
The search engine that helps you find exactly what you're looking for. Find the most relevant information, video, images, and answers from all across the Web. AOL.
Cross-platform open-source desktop search engine. Unmaintained since 2011-06-02 [9]. LGPL v2 [10] Terrier Search Engine: Linux, Mac OS X, Unix: Desktop search for Windows, Mac OS X (Tiger), Unix/Linux. MPL v1.1 [11] Tracker: Linux, Unix: Open-source desktop search tool for Unix/Linux GPL v2 [12] Tropes Zoom: Windows: Semantic Search Engine (no ...
The first table lists the company behind the engine, volume and ad support and identifies the nature of the software being used as free software or proprietary software. The second and third table lists internet privacy aspects along with other technical parameters, such as whether the engine provides personalization (alternatively viewed as a ...
A credit rating agency (CRA, also called a ratings service) is a company that assigns credit ratings, which rate a debtor's ability to pay back debt by making timely principal and interest payments and the likelihood of default.
The ratings agencies were heavily involved in the markets that enabled the subprime credit bubble of 2000-2008 and the subsequent financial crisis.In 1984 the federal government of the United States passed the Secondary Mortgage Market Enhancement Act (SMMEA) to improve the marketability of private-label (non-agency) mortgage-backed securities, [7] which declared NRSRO AA-rated mortgage-backed ...