[PAR35]

Then maybe banks should quit making loans they don’t expect to be repaid.

If they knowingly violate the law, the regulators will come down on them. And the law requires bad loans. CRA exams are as important as regular exams.

For your reading enjoyment: https://www.frbatlanta.org/banking/publications/community-reinvestment-act/your-banks-overall-cra-rating.aspx

[DuncanWaring]

Then maybe the government should quit requiring banks to make loans they know will never be repaid.