特朗普政府宣布对《社区再投资法》进行重大修订1，这是该法自1977年制定以来近30年来的首次主要改革1。此次修订由货币监理官办公室和联邦存款保险公司推动1，涉及银行向低收入和中等收入社区放贷规则的调整1。
修订案改变了小型银行的定义标准，将适用范围从资产4.12亿美元以下调整至10亿美元以下1。这一变化使需要全面合规的银行数量大幅减少至86家，仅占所有机构的约3%1，同时另有800家银行的部分合规要求也将被减轻1。此外，修订案还改变了银行向社区发展组织捐赠的方式1。该修订案已进入60天公众评议期1。
全国社区再投资联盟首席执行官杰西·范托尔对这些变化提出质疑，称其"不幸地"将政治化纳入该法下的拨款制度1。
The Trump administration announced a major revision to the Community Reinvestment Act, marking the first substantial reform to the law in nearly 30 years.1 The proposed changes include raising the asset threshold for defining small banks from $412 million to $1 billion, which would reduce the number of banks required to comply with comprehensive requirements to just 86 institutions—roughly 3% of all banking institutions.1 The modifications would also ease compliance obligations for approximately 800 banks and alter how banks direct donations to community development organizations.1
The Community Reinvestment Act was originally enacted in 1977 and last underwent major revision in 1995.1 The proposed modifications will now enter a 60-day public comment period.1 Critics of the changes have already voiced concerns; Jesse Van Tol, chief executive of the National Community Reinvestment Coalition, stated that the revisions "unfortunately" introduce politics into the allocation system governed by the law.1
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