Biennial report which "provides an overview of the Community Reinvestment Act (CRA); describes changes to CRA regulations that became effective since 2010; highlights national state financial services regulatory changes resulting from the recession; examines recent data and studies on foreclosures and the subprime lending crisis: and describes small business, small farm and community development lending in Texas. Also discussed are state agencies' community reinvestment strategies and examples of Texas community reinvestment initiatives, including financial literacy surveys and related workshops held across the state" (p. 2).