Policymakers have long struggled to modernize the decades-old Community Reinvestment Act. But translating that momentum into an actual reform plan in 2019 will not be easy. Sticking points range from how to define a community amid rapid change in delivery models, to creating a single uniform CRA metric for banks to follow. However, Comptroller of the Currency Joseph Otting remains hopeful. "Everybody recognizes this is something that collectively we need to fix," he said. "Everybody is prepared to roll up our sleeves and sit down and talk."