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(Reprinted from: A CRA Guidebook, published by HUD, written by HUD, U.S. Conference of Mayors, NCUA, CCC. August, 1979.) Establishing that a conmmunity has "unmet" credit needs" means, essentially, showing that lenders have failed to recognize creditworthy borrowers in a neighborhood. While lenders may legitimately deny credit because an individual cannot support a loan, or because the collateral is not valuable enough to cover the lender's risk, a community group may perceive that there are other reasons for lender reluctance to serve its area. It may feel that there are safe, secure and profitable loans which are not being made because the lender lacks information or expertise, discriminates, or just feels comfortable doing what it is doing. In building the CRA case, an organization will want to demonstrate a lender's lack of performance in making needed loans, the area's unmet need for loans, and the lender's capability for meeting that need. The following narrative outlines some of the major research sources which can be used to answer these questions. The first guidebook in this series, Assessing Community Credit Needs provides more detail on these research sources and techniques.