一、1977至2007年的金融环境1997年《社区再投资法》通过后,金融环境发生了显著的变化。本文回顾了这些变化对《社区再投资法》的适用范围、受《社区再投资法》监管当局的组织结构以及他们在实现《社区再投资法》目标时有效性方面的影响。按照设计和必要性要求,我们使用了宽泛的做法。我们希望这样做能为本书中其他集中研究《社区再投资法》实施细则变化的文章提供一个有用的上下文背景,以及《社区再投资法》更具体的方面,如它的覆盖面 I. The Financial Environment from 1977 to 2007 After the passage of the Community Reinvestment Act 1997, the financial environment has undergone significant changes. This article reviews the extent to which these changes apply to the Community Reinvestment Act, the organizational structure of the regulators of the Community Reinvestment Act, and their impact on the effectiveness of the Community Reinvestment Act goals. We used a broad approach based on design and necessity requirements. We hope this will provide a useful context for the other articles in this book that focus on changes in the implementation of the Community reinvestment law and more specific aspects of the Community reinvestment law such as its coverage