产生于房产危机的社区再投资法(下)
摘要
一、《社区再投资法》应该将银行和储贷机构的关联机构考虑在内在下一步工作中,把关联机构业务也考虑进来,不仅在现行法律下是可行的,而且作为一个政策也是合理的,尽管《社区再投资法》目前仅仅适用于被保险的存款类金融机构。例如,《社区再投资法》的监管者已经指出,非法的信贷行为将影响该机构的《社区再投资法》评级1。约束这些信贷行为的法案,也适用于银行、储贷机构和非吸收存款类放贷人。
出处
《西部金融》
2010年第9期6-8,21,共4页
West China Finance
参考文献13
-
112 C.F.R. 25.28(c) (2004).
-
2Community Remvestment Act; Interagency Questions and Answers Regarding Community Reinvestment; Notice, 66 Fed. Reg. 36,620, 36,628 (July 12, 2001).
-
3See OCC Bulletin 97-26, July 3, 1997 (noting that examiners should consider subsidiaries in bank" s performance context); Letter from Julie L. Williams, Acting Comptroller, OCC, to Congressman Bruce L. Vento, May 8, 1998.
-
4See Elliehausen, at 26 (noting economies of scale for compliance with ongoing regulations).
-
5Elsewhere, I have proposed a new tax credit to encourage banks and thrifts to offer low-cost, electronically based bank accounts with no overdraft or hidden fees. See Michael S. Barr, Banking the Poor, 21 Yale J. on Reg. 121 (2004).
-
6See Michael S. Barr, An Inclusive, Progressive National Saving and Financial Services Policy, 1 Harvard Law & Policy Rev. 161 (2007).
-
7See Michael Stegman & Robert Faris, Creating a Scorecard for the CRA Service Test (Brookings Inst., Policy Brief No. 96, 2002).
-
8See Michael S. Barr, Access to Financial Services in the 21st Century: Five Opportunities for the Bush Administration and the 107th Congress, 16 Notre Dame J.L. Ethics & Pub. Pol'y 447, 452 (2002).
-
9see also Michael S. Barr, Comment Letter of October 26, 2001, Community Reinvestment Act Joint Advance Notice of Proposed Rulemaking (OCC Docket No. 01-16, Board Docket No. R- 1112, FDIC Re: 12 CFR 345, OTS Docket No. 2001-49), available at http://www.ots.treas.gov/docs/95338.pdf.
-
10For example, OTS gave Crusader Bank a Needs to Improve rating in 2000 in part because of its payday lending operations; Crusaderabandoned its payday lending relationship in 2001.
-
1孙天琦.美国《社区再投资法》三十年变革的争论及启示[J].广东金融学院学报,2009,24(5):109-127. 被引量：3
-
2Michael S.Barr,孙天琦.产生于房产危机的社区再投资法(上)[J].西部金融,2010(8):15-18.
-
3符浩勇.美国《社区再投资法》实施效应及对我国的启示[J].海南金融,2004(6):43-45. 被引量：5
-
4熊卫平.美国社区再投资法对我国高校学生贷款的启示[J].财经理论与实践,2008,29(4):29-32. 被引量：1
-
5开放式基金投资指南[J].金融博览,2006(12):63-63.
-
6张龙耀,褚保金.美国《社区再投资法》与我国农村金融发展[J].金融纵横,2008(8):41-44. 被引量：5
-
7Ren S.Essene波士顿联邦储备银行,William C.Apgar哈佛大学住房研究中心,孙天琦,杨岚,张晓东,刘社芳,周彦君,孙炎炜.《社区再投资法》30周年:调整《社区再投资法》以适应抵押贷款革命的要求(下)[J].西部金融,2012(5):34-40.
-
8傅伟良.金融双语[J].金融论坛,2004,9(10):64-64.
-
9中国将允许台资试办银行[J].福建税务,1994(10):35-35.
-
10孙家红,黄丹.美国社区再投资法的启示[J].新金融世界,2012(11):38-40.
