Community Reinvestment (CRA)

The Community Reinvestment Act, (CRA) was passed by Congress in 1977 to combat the entrenched and discriminatory practice of “redlining.”  It was designed to encourage commercial banks to help meet the needs of borrowers in all segments of communities where they operate, including low- and moderate-income neighborhoods. NJCA has a long history of leading the advocacy for CRA and for holding banks accountable for their obligation to lend fairly in New Jersey and the region.

For more information contact Beverly Brown Ruggia at