Although Community Reinvestment Act has been only a partial success in improving access to housing loans, it is clear that the combination of CRA and the earlier Home Mortgage Disclosure Act has contributed to increased residential lending in low and moderate income urban neighborhoods. Federal Reser Chairman Alan Greenspan himself has lamented the fact that CRA has not been as effectively used in the area of small business lending. The lack of data on small business loans has clearly been a primary contributor to this imbalance. Community development organizations, policy groups and researchers have come to the table armed with housing loan data, making it easier to identify residential credit needs and to argue for policies and programs to address these needs. Pushed by housing activists utilizing CRA, many banks themselves have become advocates for housing subsidies and programs to spur development of affordable housing.