Modernizing And Strengthening CRA Regulations: A Conversation With The Consumer Bankers Association, Federal Reserve Governor Lael Brainard, At The Consumer Bankers Association Community Reinvestment Act Committee Meeting Date 17/12/2020 Good afternoon and thank you for inviting me to take part in the Consumer Bankers Association's (CBA's) Community Reinvestment Act (CRA) Committee meeting. The CRA officers and teams at your institutions play an important role in identifying community priorities and building partnerships with stakeholders to implement effective CRA programs. We appreciate the opportunity to hear feedback from CBA members and this committee reflecting your extensive experience making loans and investments to support local communities.1