The Community Reinvestment Act simply prevented the kinds of discrimination that was known at that time as "redlining".

Most people are not aware that a lot of people who ended up with the sub-prime mortgages were actually eligible for the regular kind of mortgages, but that predatory lenders were not being honest with them about what they were eligible for, preferring, instead, to convince them to take out the sub-prime mortgages. The kind of deregulation that made that possible was not the result of the GLBA. It was the result of other efforts on the part of the Republicans.

I'm no fan of the Democrats, but the Democrats are the ones who are for more regulation, and the Republicans are the ones who are for less regulation. Anyone who wants proof of that only has to look at the campaign rhetoric of any number of Republicans from previous elections.