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Full-Text Articles in Law
Mainstreaming Community Development: Business Strategies As Radical Approaches To Community Representation, Daniel S. Shah
Mainstreaming Community Development: Business Strategies As Radical Approaches To Community Representation, Daniel S. Shah
Fordham Urban Law Journal
This article argues that law school clinics are a means of providing positive change in representation in community development. Through a detailed case analysis of the Philadelphia Community Development Credit Union, the article illustrates how most technical assistance providers perpetuate an economic development structure which is contrary to consumer demand. These technical assistance providers carry out the goals and plans of the project funders (a top down approach) rather than focusing on the demands of the consumers. Community development clinics can step outside of the current market structure because they receive funding from independent sources and are thus able to …
The Cra Implications Of Predatory Lending, Kathleen C. Engel, Patricia A. Mccoy
The Cra Implications Of Predatory Lending, Kathleen C. Engel, Patricia A. Mccoy
Fordham Urban Law Journal
This article considers the Community Reinvestment Act's role in combating predatory lending. It provides an overview of the CRA, explains how CRA-covered lenders may enable predatory lending and explores the relationship between the CRA, federal subsidies and predatory lending. The article concludes that the CRA should be used to penalize lenders that engage in predatory lending and recommends that federal bank regulators use CRA to sanction behavior that could encourage further predatory lending.