Credit to the Community: Community Reinvestment and Fair Lending Policy in the United States ab 57.49 € als epub eBook: Community Reinvestment and Fair Lending Policy in the United States. Aus dem Bereich: eBooks, Belletristik, Erzählungen,
1977 in law ab 15.99 € als Taschenbuch: Community Reinvestment Act Charter of the French Language Clean Water Act Beagle Channel Arbitration 1977 Soviet Constitution Foreign Corrupt Practices Act Aircraft and Shipbuilding Industries Act 1977 Australian referendum 1977. Aus dem Bereich: Bücher, Taschenbücher, Wirtschaft & Soziales,
Barack Obama is an American politician serving as the 44th President of the United States, and the first African American to hold the office. Born in Honolulu, Hawaii, Obama is a graduate of Columbia University and Harvard Law School, where he served as president of the Harvard Law Review. He was a community organizer in Chicago before earning his law degree. He worked as a civil rights attorney and taught constitutional law at University of Chicago Law School between 1992 and 2004. He served three terms representing the 13th District in the Illinois Senate from 1997 to 2004, and ran unsuccessfully in the Democratic primary for the United States House of Representatives in 2000 against incumbent Bobby Rush. In 2004, Obama received national attention during his campaign to represent Illinois in the United States Senate with his victory in the March Democratic Party primary, his keynote address at the Democratic National Convention in July, and his election to the Senate in November. He began his presidential campaign in 2007 and, after a close primary campaign against Hillary Rodham Clinton in 2008, he won sufficient delegates in the Democratic Party primaries to receive the presidential nomination. He then defeated Republican nominee John McCain in the general election, and was inaugurated as president on January 20, 2009. Nine months after his inauguration, Obama was named the 2009 Nobel Peace Prize laureate. During his first two years in office, Obama signed into law economic stimulus legislation in response to the Great Recession in the form of the American Recovery and Reinvestment Act of 2009 and the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. Other major domestic initiatives in his first term included the Patient Protection and Affordable Care Act, often referred to as "Obamacare." 1. Language: English. Narrator: Chadwick Palmatier. Audio sample: http://samples.audible.de/bk/acx0/061754/bk_acx0_061754_sample.mp3. Digital audiobook in aax.
Credit to the Community: Community Reinvestment and Fair Lending Policy in the United States ab 125.49 EURO Community Reinvestment and Fair Lending Policy in the United States
Credit to the Community: Community Reinvestment and Fair Lending Policy in the United States ab 57.49 EURO Community Reinvestment and Fair Lending Policy in the United States
Der US-amerikanische Community Reinvestment Act (CRA) ist ein durch umfangreiche Ausführungsbestimmungen der verschiedenen Bankaufsichtsbehörden ausgefülltes Gesetz, das Banken, die (auch) das Einlagengeschäft betreiben, in Großstadt- und Ballungsgebieten dazu zwingt, ihre Kredite und ihr Dienstleistungsangebot gleichmäßig über soziale Gruppen, strukturschwache Gebiete sowie ethnische Gruppen zu verteilen. In einer jährlichen "Sozialverträglichkeitsbilanz" muß jede Bank Rechenschaft über diese Verteilung ablegen.Die Geschichte und Funktionsweise des CRA sowie seine Auswirkungen auf die Versorgung mit Finanzdienstleistungen werden hier beschrieben und mit dem Regionalprinzip der deutschen Sparkassen verglichen. Dabei wird ausführlich auf die Unterschiede im deutschen und amerikanischen Bankensystem eingegangen, insbesondere auch in der Regulierungs- und Aufsichtsmethodik. Abschließend prüfen die Verfasser, ob eine Übertragbarkeit des CRA auf Deutschland möglich und positive Auswirkungen zu erwarten wären.
The Community Reinvestment Act (or CRA, Pub.L. 95-128, title VIII, 91 Stat. 1147, 12 U.S.C. 2901 et seq.) is a United States federal law designed to encourage commercial banks and savings associations to meet the needs of borrowers in all segments of their communities, including low- and moderate-income neighborhoods. Congress passed the Act in 1977 to reduce discriminatory credit practices against low-income neighborhoods, a practice known as redlining. The Act requires the appropriate federal financial supervisory agencies to encourage regulated financial institutions to meet the credit needs of the local communities in which they are chartered, consistent with safe and sound operation (Section 802.). To enforce the statute, federal regulatory agencies examine banking institutions for CRA compliance, and take this information into consideration when approving applications for new bank branches or for mergers or acquisitions.