The Administration should create a commission comprising banks, governments, and community development corporations to evaluate how recent restructurings of financial institutions can provide opportunities for sustainable community development. Corporate and legal restructurings incur a variety of public obligations. Each new merger in the banking and financial services industry, particularly on the scale evidenced in the past two years (such as the recent Citicorp-Travelers Insurance merger to create a $700 billion institution), creates new kinds of reinvestment obligations under the Community Reinvestment Act (CRA). As regulatory practices move from command-and-control to more flexible performance-based systems, increased public disclosure requirements increase the opportunities for public intervention and negotiation to guarantee that CRA obligations will produce tangible community and consumer benefits. The proposed commission may also evaluate if it is necessary to increase CRA obligations, applying these obligations to all financial institutions, and expanding the federal pool of funds (currently about $350 million) for seeding new community development financial institutions. Despite the incentives provided by CRA, poor communities still lack banks or other institutions in which to place their savings, and the poor, in general, remain unable to access affordable credit. This significantly affects progress towards sustainability in inner city and rural communities.