New lending tests proposed by federal bank regulators show that some large Chicago-area mortgage companies have poor lending records in low and moderate income neighborhoods. The lending tests are part of the new regulations proposed under the Community Reinvestment Act (CRA). The CRA was passed by Congress in 1977 to combat redlining and lending discrimination by banks and savings and loans. Mortgage companies are not subject to the Community Reinvestment Act. The large mortgage companies' poor showing suggests it is time they too were included under the Community Reinvestment Act.