The 3rd searching for as well as means that CRA exams to possess banking companies is to be much more rigorous to boost financial results relative to independent mortgage businesses. In particular, studies to have huge banking companies will likely be strengthened when it comes to holding them to a top practical, because they had been outperformed of the reduced banking institutions and you may mortgage people. New Government Set aside Panel, within Improve See off Proposed Rulemaking (ANPR) given just last year, considering a lot of approaches for enhancing the CRA lending sample.