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An obscure banking rule has quietly funneled millions of dollars into low-income communities, helping to reduce the deep health inequities between low-income and wealthier families in America. But that rule—the Community Reinvestment Act—is now under threat. In January, the three regulatory agencies overseeing the CRA proposed significant changes.
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In 2003 in Coal Run, a small hollow in southeastern Ohio, 89-year-old Helen McCuen still paid a ”water man” to fill a cistern buried in her front yard twice a month. Turning on a tap and getting fresh water wasn’t an option. McCuen lived in a largely African American part of town that lacked running water. The nearby city told residents it was too expensive to extend water lines to them. Meanwhile, a few miles away in a white neighborhood, water flowed freely. “The water stopped where the black folks started,” one local resident told the New York Times. It turned out that federal funds were used to extend water lines up to Coal Run but not to the African American community. A lawsuit would eventually force the city to lay water lines to the black residents.
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