Today, the National Community Reinvestment Coalition (NCRC) and Morgan Stanley (NYSE: MS) announced a $15 billion, four-year community benefits plan that will increase the financial services company's lending and investments in lower-income communities. Under the plan, developed as part of the financial services company’s application to acquire E*TRADE Financial Corporation (NASDAQ:ETFC), Morgan Stanley’s lending and investments in low- and moderate-income (LMI) communities and communities of color will increase by 43% annually over previous levels from Morgan Stanley and E*TRADE.