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Cheap Jerseys from china Scott Reckard)When banks merge, regulators must consider whether the institutions are meeting the requirements of the Community Reinvestment Act, or CRA, a federal law that pushes banks to lend to low income and minority neighborhoods within their service areas.Banks often make big CRA commitments ahead of mergers and acquisitions, both to ease regulatory approval and to avoid opposition from fair lending groups.But when such pledges aren't made or when advocacy groups believe CRA plans are insufficient, they often protest, which can delay a deal or force banks to make richer promises.When New Jersey lender CIT Group announced plans in July 2014 to buy Pasadena's OneWest Bank, criticisms of the CRA plans pushed federal regulators to take the rare step of holding a public hearing about the deal's community benefits. The merger was ultimately approved, but took longer to close than expected.In this case, the coalition and its allies, including the Alliance of Californians for Community Empowerment and the Fair Housing Council of the San Fernando Valley, say Pacific Western has shown them a draft CRA plan that falls short.The groups lay out a long list of demands, including that the merged bank do more small business lending in Fresno, Kern, Kings and Tulare counties areas where the groups say Pacific Western has relatively large amounts of customer deposits compared with the small business loans it makes.The coalition also questioned the propriety of the bank's hiring of a former FDIC official, given that the agency is also tasked with evaluating Pacific Western's adherence to the CRA.Stanley Ivie, Pacific Western's chief risk officer, had been director of the FDIC's San Francisco region, which is responsible for banks across 11 Western states. He did not return a call seeking comment.Paulina Gonzalez, executive director of the coalition, suggested the bank could have hired Ivie to help it "finesse" approval of a lackluster CRA plan.Pacific Western has made a handful of recent acquisitions, becoming one of the largest banks in Southern California Cheap Jerseys from china.

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