<p>When the Community Reinvestment Act 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>