ity, equal housing access, and equal credit access were the specific issues of overriding interest within this general conceptual area. The CRA, thus, had roots in the civil rights and urban renewal policies of the 1970s.
Public concerns related to equal opportunity in housing and credit ranged from the ability of some groups to obtain housing and credit in certain areas to the ability of members of many of these same groups to obtain financing for either housing or business in areas where it was accessible to them. This type of loan policy or practice constituted open discrimination, and as such was somewhat more easily dealt with legally if not in actual practice than were some other forms of discrimination.
The CRA, therefore, is a component of that group of equal opportunity legislation that addresses problems related to housing and credit. The first of the laws comprising this component of the equal opportunity legislation was the Fair Housing Act, which was actually Title VIII of the
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