<p>When the <a href="http://cranc.jerimee.com/info/community-reinvestment-act">Community Reinvestment Act</a> is in force, consumers get fewer high cost loans from banks and thrifts.  When it is not in force, the frequency parallels those of independent mortgage companies. </p>
<p>Read more here: <a href="http://www.cra-nc.org/files/Download/Paying%20More%20For%20the%20American%20Dream%20III%20-%20Final-1.pdf">Paying More for the American Dream III</a></p>