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July/August 2009: The Credit Crisis and Working America, Volume , Issue
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Financial Product Safety
Tamara Draut
The case for a new agency to put the needs of consumers first
What Does Financial Capital Owe Society?
Barry Zigas
Corporate social responsibility is a worthy goal, but it's no substitute for regulation, subsidy, and government sponsorship of social institutions.
Reversing the Damage
John Taylor
What will it take to resume credit flows to low- and moderate-income neighborhoods?
Community Reinvestment: The Broader Agenda
Mark A. Willis
CRA has created a cadre of community-friendly bankers. It's time to bring reinvestment policy into the 21st century.
When Creditors are Predators
Tim Fernholz
We need to regulate to assure that loans work -- and stop the loans that work people over.
Banks as Heroes
Adam Serwer
Community-development banks show what financial institutions can do when they have the right motivation and the right mission.
Don't Blame the Community Reinvestment Act
Ellen Seidman
Homeownership rates and CRA enforcement soared in the 1990s, but sub-prime came later. CRA shouldn't be the scapegoat for the housing meltdown.
A Bridge to Somewhere
Janneke Ratcliffe
How do we build the road from predatory lending to good financial services for all Americans?
Regulation as Civic Empowerment
Edmund Mierzwinski
The policing of the financial system can't just be left to bureaucrats. Properly designed, regulation can be a community-organizing strategy.
The Assault on the Black Middle Class
Kai Wright
Sub-prime lending was racially targeted and demolished decades of progress made by America's most diligent and striving people of color. How will America make amends?
Reforming Credit
Robert Kuttner
Our financial system needs to work for consumers at all income levels. A guide to the crisis, its causes, and cures.
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