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Proposals to enhance the Community Reinvestment Act: hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, September 16, 2009.
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Excerpt from President Clinton's Community Reinvestment Act Proposal: Hearing Before the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs, House of Representatives, One Hundred Third Congress, Second Session; February 8, 1994 Mr. Ludwig. To me, Mr. Chairman, community reinvestment is not some vague abstraction. I know, not from analysis but from personal experience, how important credit can be in the life of a community and in the lives of individuals. My father was the son of an immigrant and a son of the Great Depression. My father wanted to be a country doctor. Without bank credit, achieving this dream would have been impossible. Bank credit permitted him to fulfill his dream and go on to serve the community of York, Pennsylvania, through a free medical clinic and in many other ways over a period of 60 years. My father's dream, the dream of a better life for his family and of contributing to his community, is an American dream - one ful filled by the fathers and grandfathers of many people in this room. Tens of millions of Americans today, affluent and poor, have a simi lar dream. In our market economy, access to credit determines whether many, perhaps most, people can fulfill their dreams of a better life - whether they can go to school, whether they can start a busi ness. Credit alone may not be sufficient to turn millions of Amer ican dreams into reality, but it is necessary for that to happen. For small business owners in particular, access to credit often means the difference between having a great idea and a grand opening between having a going concern or a going-out-of-business sale. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.
Excerpt from Proposed Regulatory Community Reinvestment Act Reform: Hearings Before the Subcommittee on General Oversight, Investigations, and the Resolution of Failed Financial Institutions of the Committee on Banking, Finance and Urban Affairs, House of Representatives, One Hundred Third Congress, Second Session If e pub 'c comment points out serious flaws, particularly in the areas of operations or implementation, or i better ideas emerge, I am perfectly willing to recommend to my fellow regu lators and members of the Board of Governors that we return to the dra board. We shou d not hesitate to do so if that is the only way to ensure to the public that we have done the best job possible. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.