I have read the act for myself. I am not so naive as to take it at face value, because the politics surrounding it are plain-as-day, as well as the debates held in Congress on it. The focus on neighborhoods is to make it pass Constitutional muster, not to change who it was intended to help or the fact that it was very well was designed, virtually by definition, to force banks to make loans that they did not want to make.

What you cite is the fact that second-order effects allowed abuse.

Look up the activities of ACORN. Not just what they say or what they are accused of, but what they actually do. If the CRA is not intended to work as I described, they sure did manage to turn it that way.

"Always get the data on your own kid."

Fuck off with your slur.