Predatory lending practices can indeed have a negative impact on a bank's Community Reinvestment Act (CRA) rating. The CRA encourages banks to meet the credit needs of all segments of their communities, including low- and moderate-income neighborhoods, in a manner consistent with safe and sound banking operations. Engaging in predatory lending practices undermines these objectives and can lead to regulatory scrutiny and a lower CRA rating, reflecting poorly on the bank's commitment to serving its community responsibly.
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