CEO John Arenesmeyer moderated a panel at the AEO National Conference titled "Modernizing CRA." The Community Reinvestment Act requires banks to meet the credit needs of their entire communities, including low- and moderate-income neighborhoods. Small business lending is one of the eligible activities under the lending test and microbusinesses along with micro lenders and TA providers have received support through investments and services. Yet in the more than 30 years since the CRA was enacted,