To enforce the statute, regulators periodically examine banks for CRA compliance. To hone in on the “regulatory enforcement” effect, the recent study compares the behavior of banks that are undergoing examination (which takes place over several quarters) to that of banks that are not undergoing examination in a particular tract in a particular month.
为了加强执法，监管者定期检查银行的CRA执行情况。为了增强“监管强化”效果，最新研究比较了被检查的银行（在几个季度中）和在某个月的某个目标区域没有受到检查的银行的行为区别。