{"id":290672,"date":"2026-07-24T09:39:06","date_gmt":"2026-07-24T13:39:06","guid":{"rendered":"https:\/\/ncrc.org\/?p=290672"},"modified":"2026-07-24T09:45:57","modified_gmt":"2026-07-24T13:45:57","slug":"ncrc-opposes-hr-6955-the-main-street-capital-access-act","status":"publish","type":"post","link":"https:\/\/ncrc.org\/ncrc-opposes-hr-6955-the-main-street-capital-access-act\/","title":{"rendered":"NCRC Opposes HR 6955: The Main Street Capital Access Act"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"290672\" class=\"elementor elementor-290672\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa0671a e-flex e-con-boxed e-con e-parent\" data-id=\"fa0671a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bcd94b3 elementor-widget 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href=\"#elementor-action%3Aaction%3Doff_canvas%3Aopen%26settings%3DeyJpZCI6ImJjZDk0YjMiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57e780a2 elementor-widget elementor-widget-text-editor\" data-id=\"57e780a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>July 21, 2026<\/p><p>The Honorable Hakeem Jeffries<br \/>Democratic Leader<br \/>U.S. House of Representatives<br \/>Washington, DC 20515<\/p><p>The Honorable Katherine Clark<br \/>Democratic Whip<br \/>U.S. House of Representatives<br \/>Washington, DC 20515<\/p><p>The Honorable Pete Aguilar<br \/>Chair, House Democratic Caucus<br \/>U.S. House of Representatives<br \/>Washington, DC 20515<\/p><p><strong>Re: Oppose H.R. 6955, the Main Street Capital Access Act<\/strong><\/p><p>Dear Leader Jeffries, Whip Clark, Chair Aguilar, and Members of Democratic Leadership:<\/p><p>The National Community Reinvestment Coalition (NCRC) and our network of 700+ community organizations urge Members to oppose H.R. 6955, the Main Street Capital Access Act and vote\u00a0<u>no<\/u>\u00a0on the House floor.<\/p><p>H.R. 6955 is a broad bank deregulation package that would weaken fair lending transparency, community accountability, bank\u00a0supervision\u00a0and merger review. The bill would reduce the tools regulators and communities rely on to detect redlining, monitor access to credit, evaluate bank mergers, prevent harmful consolidation and hold financial institutions accountable to the people they serve.<\/p><p>NCRC appreciates the inclusion of CDFI-related provisions, including CDFI Fund transparency and CDFI Bond Guarantee Program improvements. However, those revisions do not fix the bill\u2019s core problem: H.R. 6955 moves federal banking policy in the wrong direction by weakening community accountability, fair-lending transparency, merger review and supervisory safeguards.<\/p><p>Earlier this year, NCRC urged a no vote when H.R. 6955 was considered in committee.\u00a0\u00a0All Democratic members who were present voted no in Committee.<a href=\"#_ftn1\" name=\"_ftnref1\"><sup>[1]<\/sup><\/a>\u00a0We urge you to continue that opposition and vote\u00a0<u>no<\/u>\u00a0on the House floor.<\/p><h3>1.\u00a0 H.R. 6955 would sharply limit monopoly and competition review for mergers involving roughly 96% of all banks.<\/h3><p>Section 601 would prohibit federal banking regulators when evaluating many mergers resulting in institutions below $10 billion in assets from engaging in a competition review and\u00a0thus\u00a0they cannot consider whether the mergers would create monopolies or substantially lessen competition. The latest floor version preserves competition review where a transaction would leave only one insured depository institution with a physical presence in the area. This narrow exception does not solve the problem and protects only against the most extreme case, while preventing regulators from reviewing many mergers that could still substantially reduce competition, reduce branch access, or weaken small-business, agricultural and consumer credit options in local markets.<\/p><p>Because roughly 4,129 of the nation\u2019s 4,287 insured banks (or approximately 96 %) hold under $10 billion in assets, this\u00a0carveout would cover a large share of community and regional bank merger activity.<a href=\"#_ftn2\" name=\"_ftnref2\"><sup>[2]<\/sup><\/a>\u00a0The problem is especially acute in rural counties and smaller local markets. A merger between two banks that are not nationally large can still have significant local consequences. In many communities, the loss of one local institution can mean fewer branches, reduced small-business lending, less agricultural credit, weaker customer service, and fewer banking choices.<\/p><p>NCRC conducted an analysis of every US county to assess the impact of potential mergers between the two largest banks in each county, with their combined assets being under $10 billion. NCRC found that 641 counties,\u00a0predominantly rural, would shift from\u00a0competitive markets to highly concentrated markets.\u00a0In ten counties, one bank would\u00a0control 100% of all local deposits.\u00a0According to the FDIC\u2019s Merger Decisions Annual Report to Congress (2024),<a href=\"#_ftn3\" name=\"_ftnref3\"><sup>[3]<\/sup><\/a>\u00a0regulators approved 61 regular bank-merger applications in 2023. Of those, 57 out of the 61 would have resulted in\u00a0institutions\u00a0less than $10 billion. Under H.R. 6955, many comparable transactions would fall within the bill\u2019s competition-review safe harbor, unless the narrow one-physical-depository-institution MSA exception applied.<\/p><h3>2.\u00a0 H.R. 6955 would weaken CRA, HMDA and fair lending accountability<\/h3><p>Section 204 would substantially reduce the tools communities rely on to ensure fair access to credit and hold banks accountable to local needs. The floor version no longer uses the same mechanics as the committee-reported bill, but the core concern remains: Section 204 would create an automatic increase for statutory thresholds across consumer and community-focused laws, including the Community Reinvestment Act and the Home Mortgage Disclosure Act.<\/p><p>Beginning in 2031 and every five years after that, Section 204 would require the Federal Reserve to raise the dollar cutoffs in laws like CRA and HMDA that determine which banks are subject to stronger reporting, examination and accountability rules. The Fed would decide whether to base those increases on nominal GDP or inflation.<\/p><p>That is the wrong test for community accountability.\u00a0\u00a0Nominal GDP measures the size of the overall economy, while CPI measures inflation.\u00a0\u00a0Neither one measures whether banks are serving communities fairly, the rates of redlining, the extent of market concentration, have sufficient data to detect discrimination, and whether credit needs in LMI communities are being met.\u00a0\u00a0A larger economy does not mean community needs are being met.<\/p><p>The same problem applies to inflation indexing. Adjusting thresholds for CPI may sound technical or even routine, but in this context, this approach would still cause fair-lending transparency to shrink automatically over time without any finding that communities are being served fairly.<\/p><p>For NCRC and our members, the HMDA and CRA implications are especially serious. HMDA data is one of the primary tools used to detect redlining, evaluate whether lenders are serving borrowers and neighborhoods fairly, and identify gaps in mortgage access. CRA examinations are one of the few mechanisms that require banks to demonstrate that they are meeting the credit needs of their entire communities, including low- and moderate-income neighborhoods.<\/p><h3>3.\u00a0 H.R. 6955 would compress merger review and sideline community evidence<\/h3><p>Section 604 would set a fixed 120-day clock for certain applications, beginning at the time of filing even if the submission is incomplete. If the Federal Reserve fails to act within that period, the application would be deemed granted.<\/p><p>That is a dangerous standard for complex bank transactions. Merger review should focus on whether a transaction will serve the convenience and needs of affected communities, preserve access to banking services, protect consumers and avoid harmful concentration. It should not be driven by an artificial clock that rewards incomplete applications and pressures regulators to approve deals quickly.<\/p><p>Section 604 would also restrict how regulators treat information from outside parties when determining whether an application is complete, potentially discounting community and consumer evidence that is often essential to understanding a transaction\u2019s real-world impact. Community groups, local officials, small businesses and affected residents are often able to identify branch closure risks, fair lending concerns, weak CRA performance or service gaps that are not evident from the applicant\u2019s own submission.<\/p><h3>4.\u00a0 H.R. 6955 focuses on how long merger approval takes, instead of whether mergers benefit local economies.<\/h3><p>Section 603 directs the Inspector General of each Federal depository institution regulatory agency to conduct a study every three years on the \u201ctimeliness and efficiency\u201d of merger approvals, including number of days it takes to process merger applications and the identification of \u201csources of delay.\u201d Merger applications warrant scrutiny to evaluate their effect on each of the statutorily required factors of review, including how a proposed combination will serve the convenience and needs of the affected communities. Studies show signs of decreased small business lending after mergers, as well as lower rates paid to customers for deposits.<a href=\"#_ftn4\" name=\"_ftnref4\"><sup>[4]<\/sup><\/a>\u00a0However, despite this evidence, practically all merger applications are currently approved. Local economic needs would be much better served by directing the agencies to study the actual impacts of mergers and bank consolidation, instead of counting days to pressure regulators to make decisions faster.<\/p><p>Furthermore, concerns about the timeliness of merger reviews appear to be unfounded. NCRC analyzed the approval times of 18 merger applications submitted to the OCC in 2024.<a href=\"#_ftn5\" name=\"_ftnref5\"><sup>[5]<\/sup><\/a>\u00a0As shown in the table below, we found that the median days for approval after receipt of an application\u00a0was\u00a060 days, and that the average was 84 days. In other words, about half of these applications were approved 30 days after the end of a 30-day public comment period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base \" data-interaction-id=\"978763e\" data-e-type=\"widget\" data-id=\"978763e\" id=\"290677\" src=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/07\/CL-oposes-hr-6955-table1-768x906.png\" width=\"768\" height=\"906\" srcset=\"https:\/\/ncrc.org\/wp-content\/uploads\/2026\/07\/CL-oposes-hr-6955-table1-768x906.png 768w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/07\/CL-oposes-hr-6955-table1-254x300.png 254w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/07\/CL-oposes-hr-6955-table1-868x1024.png 868w, https:\/\/ncrc.org\/wp-content\/uploads\/2026\/07\/CL-oposes-hr-6955-table1.png 1155w\" alt=\"table: application processing times for business combinations and change in control during 2024\"\/>\t\t\t\t<div class=\"elementor-element elementor-element-db3dc21 elementor-widget elementor-widget-text-editor\" data-id=\"db3dc21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><br \/>5.\u00a0 H.R. 6955 would pressure regulators to ignore reputational risk<\/h3><p>Section 304 would pressure federal banking agencies to remove reputational risk from supervision. This provision is framed as preventing regulators from using vague concepts to pressure banks, but the practical effect would be to create blind spots.<\/p><p>Reputational risk is not simply \u201cbad press.\u201d It can be a warning sign of deeper institutional failures: predatory lending, discriminatory treatment, abusive fees, money laundering, fraud, weak compliance systems or repeated consumer complaints. Regulators should not be forced to ignore patterns of harm merely because those patterns also damage a bank\u2019s reputation.<\/p><p>Communities often experience these harms before they show up as capital problems. If regulators are barred from considering reputational risk, they may lose an important early-warning tool for identifying conduct that threatens consumers, communities and the institution itself.<\/p><h3><strong>Congress should reject H.R. 6955<\/strong><\/h3><p>The bill\u2019s supporters argue that H.R. 6955 will help local banks. What the bill\u00a0actually does\u00a0is weaken fair lending transparency, reduce CRA and HMDA accountability, make bank mergers easier, limit meaningful community input, and make supervision more difficult.<\/p><p>NCRC is especially concerned that fair lending, CRA, HMDA and consumer protection requirements are recast as regulatory burdens rather than public accountability tools. These laws exist because markets have not reliably served all communities fairly. They help identify discrimination, credit gaps, support enforcement, and ensure that banks receiving public benefits meet public obligations.<\/p><p>For these reasons, we\u00a0urge Members to oppose H.R. 6955 and vote \u201cno\u201d on final passage.<\/p><p>Sincerely,<\/p><p>Jesse Van Tol<br \/>President and CEO<br \/>National Community Reinvestment Coalition<\/p><p><strong>Sign On Organizations and States<\/strong><\/p><table><tbody><tr><td width=\"494\">ACHD &#8211; Washington<\/td><\/tr><tr><td width=\"494\">African Community Housing and Development &#8211; Washington<\/td><\/tr><tr><td width=\"494\">ASIAN, Inc. &#8211; California<\/td><\/tr><tr><td width=\"494\">Brighton Park Neighborhood Council &#8211; Illinois<\/td><\/tr><tr><td width=\"494\">Build\u00a0WyCo\u00a0&#8211; Kansas<\/td><\/tr><tr><td width=\"494\">Building Neighborhoods Together, Inc. &#8211; Connecticut<\/td><\/tr><tr><td width=\"494\">California Coalition for Rural Housing &#8211; California<\/td><\/tr><tr><td width=\"494\">CASA of Oregon &#8211; Oregon<\/td><\/tr><tr><td width=\"494\">Ceiba \u2013 Pennsylvania<\/td><\/tr><tr><td width=\"494\">Community Development Network of Maryland \u2013 Maryland<\/td><\/tr><tr><td width=\"494\">Community Housing Development Corporation &#8211; California<\/td><\/tr><tr><td width=\"494\">Consumers Council of Missouri \u2013 Missouri<\/td><\/tr><tr><td width=\"494\">Covenant Faith Outreach Ministries Inc. &#8211; Mississippi<\/td><\/tr><tr><td width=\"494\">Delaware Community Reinvestment Action Council Inc. &#8211; Delaware<\/td><\/tr><tr><td width=\"494\">Development Finance Authority of Summit County \u2013 Ohio<\/td><\/tr><tr><td width=\"494\">Economic Action Maryland Fund \u2013 Maryland<\/td><\/tr><tr><td width=\"494\">Fair Finance Watch \u2013 New York<\/td><\/tr><tr><td width=\"494\">Fair Housing Center of Northern Alabama \u2013 Alabama<\/td><\/tr><tr><td width=\"494\">Freedom Equity Inc. &#8211; Ohio<\/td><\/tr><tr><td width=\"494\">Georgia Advancing Communities Together, Inc. &#8211; Georgia<\/td><\/tr><tr><td width=\"494\">Help The People Programs, Inc \u2013 Georgia<\/td><\/tr><tr><td width=\"494\">Homes on the Hill CDC \u2013 Ohio<\/td><\/tr><tr><td width=\"494\">Housing Education and Economic Development (HEED) &#8211; Mississippi<\/td><\/tr><tr><td width=\"494\">Housing Oregon \u2013 Oregon<\/td><\/tr><tr><td width=\"494\">Impact Hub Baltimore Inc \u2013 Maryland<\/td><\/tr><tr><td width=\"494\">Kingdom Community Development Corporation \u2013 North Carolina<\/td><\/tr><tr><td width=\"494\">Long Island Housing Services, Inc. &#8211; New York<\/td><\/tr><tr><td width=\"494\">Louisville Urban League \u2013 Kentucky<\/td><\/tr><tr><td width=\"494\">NAACP &#8211; Alabama<\/td><\/tr><tr><td width=\"494\">Neighborhood Recovery Community Development Corporation \u2013 Texas<\/td><\/tr><tr><td width=\"494\">New Jersey Citizen Action \u2013 New Jersey<\/td><\/tr><tr><td width=\"494\">People&#8217;s Opportunity Fund \u2013 California<\/td><\/tr><tr><td width=\"494\">Philadelphia Association of Community Development Corporations \u2013 Pennsylvania<\/td><\/tr><tr><td width=\"494\">Proud Ground \u2013 Oregon<\/td><\/tr><tr><td width=\"494\">Rural Housing Coalition of New York \u2013 New York<\/td><\/tr><tr><td width=\"494\">South Dallas Fair Park\u00a0Innercity\u00a0Community Development Corporation \u2013 Texas<\/td><\/tr><tr><td width=\"494\">Southwest Community Development Corporation \u2013 Pennsylvania<\/td><\/tr><tr><td width=\"494\">TCH Development Inc \u2013 Texas<\/td><\/tr><tr><td width=\"494\">The Resurrection Project \u2013 Illinois<\/td><\/tr><tr><td width=\"494\">UNITED BALLOT &#8211; Louisiana<\/td><\/tr><tr><td width=\"494\">United South Broadway Corporation \u2013 New Mexico<\/td><\/tr><tr><td width=\"494\">Utah Housing Coalition \u2013 Utah<\/td><\/tr><tr><td width=\"494\">Women&#8217;s Economic Ventures \u2013 California<\/td><\/tr><\/tbody><\/table><p><strong>\u00a0<\/strong><\/p><p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a>\u00a0See H. Rep.\u00a0No.\u00a0119-617 (2026)\u00a0On March 4, 2026, the Committee ordered H.R. 6955, as amended, to be reported favorably to the House by a recorded vote of 26\u00a0yeas\u00a0and 16 nays, a quorum being present. (Record Vote No. FC\u2013249); also available at <a href=\"https:\/\/docs.house.gov\/meetings\/BA\/BA00\/20260304\/119027\/CRPT-119-BA00-Vote249-20260304.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/docs.house.gov\/meetings\/BA\/BA00\/20260304\/119027\/CRPT-119-BA00-Vote249-20260304.pdf<\/a><br \/><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a>\u00a0Based on information found in the FDIC\u2019s\u00a0BankFind\u00a0Suite as of March 31, 2026.<br \/><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a>\u00a0FDIC,\u00a0<em>Merger Decisions: 2023 Annual Report to Congress<\/em>\u00a0(2024) (Regular Mergers table), available at\u00a0<a href=\"https:\/\/www.fdic.gov\/analysis\/merger-decisions-2023-annual-report-congress\" target=\"_blank\" rel=\"noopener\">https:\/\/www.fdic.gov\/analysis\/merger-decisions-2023-annual-report-congress<\/a><br \/><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> For small business lending see Jagtiani, J., &amp; Maingi, R. Q. (2019). *How Important Are Local Community Banks to Small Business Lending? Evidence from Mergers and Acquisitions *(Working Paper (Federal Reserve Bank of Philadelphia) No. 18\u201318; Working Paper (Federal Reserve Bank of Philadelphia), pp. 18\u201318). Federal Reserve Bank of Philadelphia.\u00a0<a href=\"https:\/\/doi.org\/10.21799\/frbp.wp.2018.18\" target=\"_blank\" rel=\"noopener\">https:\/\/doi.org\/10.21799\/frbp.wp.2018.18<\/a>. For effect on deposit rates see Berger, A., &amp; Hannan, T. (1989). The Price-Concentration Relationship in Banking.\u00a0<em>The Review of Economics and Statistics<\/em>,\u00a0<em>71<\/em>(2), 291\u2013299.\u00a0<a href=\"https:\/\/www.jstor.org\/stable\/1926975\" target=\"_blank\" rel=\"noopener\">https:\/\/www.jstor.org\/stable\/1926975<\/a><br \/><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a>\u00a0This table includes all business combination applications submitted to the OCC in 2024 where the surviving bank would have less than $30 billion in assets. Data obtained from Office of the Comptroller of the Currency Corporate Applications Search\u00a0<a href=\"https:\/\/apps.occ.gov\/CAAS_CATS\/\" target=\"_blank\" rel=\"noopener\">https:\/\/apps.occ.gov\/CAAS_CATS\/<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&nbsp; Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now &nbsp; Complete the form to download the pdf: Download July 21, 2026 The Honorable Hakeem Jeffries Democratic Leader U.S. House of Representatives Washington, DC 20515 The Honorable Katherine Clark Democratic Whip U.S. House [&hellip;]<\/p>\n","protected":false},"author":3745,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"page_builder":"","footnotes":""},"categories":[1046],"tags":[4595,3404,4596,3948,1603,1617,1632,1746,4593,1856,1863,4594,2183,3895,2274],"class_list":["post-290672","post","type-post","status-publish","format-standard","hentry","category-testimony","tag-bank-deregulation","tag-bank-mergers","tag-banking-oversight","tag-community-banks","tag-community-reinvestment-act","tag-consumer-protection","tag-cra","tag-fair-lending","tag-h-r-6955","tag-hmda","tag-home-mortgage-disclosure-act","tag-main-street-capital-access-act","tag-redlining","tag-rural-communities","tag-small-business-lending"],"acf":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"NCRC","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"&nbsp; Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. 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