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The Community Reinvestment Act was originally enacted in 1977 and last underwent major revision in 1995.[1] The proposed modifications will now enter a 60-day public comment period.[1] Critics of the changes have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]