relationships and on their ability to continue tapping bank credit. The environment reflects a number of interesting features: high …

We use a regression discontinuity design to investigate the effect of the Community Reinvestment Act on consumer credit … outcomes using data from the Federal Reserve Bank of New York's Consumer Credit Panel database (Equifax data) for the years … eligibility — discontinuous changes in consumer credit outcomes at that threshold are evidence of the CRA's impact. We find no …