Arbeitspapier
CRA Grade Inflation
Community Reinvestment Act of 1977 (CRA) ratings and performance evaluations are the only bank and thrift exam findings disclosed by financial institution regulators. Inflation of CRA ratings has been alleged by community activists for two decades, but there has been no quantification or empirical investigation of grade inflation. Using a unique grade inflation methodology on actual ratings and evaluation data for 1,407 small banks and thrifts under the revised CRA regulations, this paper concludes that nearly half of all CRA ratings are inflated. Results are presented for the four federal bank and thrift regulators and their 31 regional offices. These findings are consistent with the "Friendly Regulator Hypothesis."
- Language
-
Englisch
- Bibliographic citation
-
Series: Working Paper ; No. 313
- Classification
-
Wirtschaft
- Event
-
Geistige Schöpfung
- (who)
-
Kenneth H. Thomas, Ph.D.
- Event
-
Veröffentlichung
- (who)
-
Levy Economics Institute of Bard College
- (where)
-
Annandale-on-Hudson, NY
- (when)
-
2000
- Handle
- Last update
-
10.03.2025, 11:45 AM CET
Data provider
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
Object type
- Arbeitspapier
Associated
- Kenneth H. Thomas, Ph.D.
- Levy Economics Institute of Bard College
Time of origin
- 2000
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The Impact of Grade Inflation on Higher Education Enrolment and Earnings
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