The 1995 Modifications to the Community Reinvestment Act

question 486

Multiple Choice

The 1995 modifications to the Community Reinvestment Act

• A) imposed numeric goals for loans extended to low-income and minority groups that were difficult for many banks to meet without reducing loan standards.
• B) reduced the incentive of banks to extend loans to low-income and minority groups.
• C) encouraged low-income and minority housing purchasers to make larger down payments so they would have more equity in their houses.
• D) made it more difficult for low-income and minority groups to obtain conventional loans.

Identify the political and economic changes following the War of 1812, including shifts in Republican party beliefs and the emergence of new economic perspectives.

Explain changes in voting rights and qualifications, particularly relating to race and property ownership.

Assess the causes and consequences of the Panic of 1819 on American society and economy.

Compare the political and social developments in the United States with those in Latin American republics established in the early 19th century.

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Definitions:

Industrial Melanism

A phenomenon in which darker forms of species evolve in polluted environments, typically as a result of higher survival rate against predation.

Microevolution

Change in gene frequencies between populations of a species over time.

Gene Pool

The complete set of unique alleles in a population or species, representing its genetic diversity.

Gametes

Reproductive cells (sperm in males and eggs in females) that carry half the genetic information of an organism and combine during fertilization.