Which of the Following Statements About the Community Reinvestment Act

Which of the following statements about the Community Reinvestment Act of 1977 is false?

A) The Community Reinvestment Act is enforced through the denial of bank mergers.
B) The act encourages banks to discover community needs, create services needed by the community, participate in government-insured lending programs, train employees to be responsive to requirements of the Community Reinvestment Act, and market services directly to low- and moderate-income groups.
C) The Community Reinvestment Act provides benefits to minority and lower income communities but not to financial intermediaries.
D) The purpose of the Community Reinvestment Act is to increase the availability of credit to economically disadvantaged areas.