The CRA was one of the most beautifully designed plans in modern legislative history.  Beautiful, that is, if you have no soul and only care about monetary and political gain and hate your country. It was basically just an extension of LBJ's welfare programs, and the entire black activist scumbag community agitator world was all in on screwing over their constituents. The funniest part of the CRA was the rule that banks had to have "community service" departments.  These "officers" of the bank were laughed at by every productive employee, but they still siphoned off a good chunk of each branch's revenues.  This, once again, was nothing more than wealth transfer from depositors to whatever minority group was that year's lucky recipient of the banks' expensive virtue signaling efforts. Imagine that; legislating institutional virtue signaling?  Can't get much more unconstitutional than that.