Central Planning systemic racism.
Jimmah Carter launched the CRA and what it does is give lending advantages to black and poor communities. It rewards people with poor financial practices. Bad credit etc.
I am very familiar with it. (My company shared an office building with the FDIC during their sweep in the 80's to shutter banks burdened with non performing assets. ) In the hall ways and common areas we had many bank discussions. Many FDIC workers were officers of banks they had closed)
Positive reinforcement for negative behavior.
One of the virtue goals was for bank roll ups to acquire rural banks and be expected to continue banking there instead of taking cash and using it for more acquisitions)
Racist malfunction and another deal for "poor minorities" which hurt them in the long run.
Except for Thistle, none of you people follow this. This Dem debacle traces forward to the mortgage meltdown crisis where investment banks traded CDO's without running thru risk managers.