Why Might the Community Reinvestment Act of 1977 Backfire in Its

Why might the Community Reinvestment Act of 1977 backfire in its long-run effects on credit supply?

A) Its limits on credit card interest rates may lead to banks offering fewer credit cards.
B) Its requirements for local lending raise the cost of operating banks in urban areas and may lead to fewer banks entering these communities over time.
C) Its requirement that banks buy large amounts of local municipal bonds may lead to reckless spending by local governments.
D) Its requirement that banks make loans only for investment purposes may reduce the loans available for consumption purposes.