Final answer:
The law mandating lenders to address the housing needs of low and moderate-income individuals is the Community Reinvestment Act (A). Unlike the Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, or Dodd-Frank Act, the Community Reinvestment Act specifically requires financial institutions to actively support housing access in underserved areas.
Step-by-step explanation:
The law that requires lenders to find ways to help meet the housing needs of those of low and moderate incomes is the Community Reinvestment Act. This law is focused on ensuring that financial institutions help meet the needs of borrowers in all segments of their communities, including low- and moderate-income neighborhoods.
While the Equal Credit Opportunity Act prohibits discrimination in any aspect of a credit transaction, the Community Reinvestment Act specifically aims to increase banking services to underserved communities. The Real Estate Settlement Procedures Act deals with real estate transactions and disclosures, and the Dodd-Frank Act was enacted to promote financial stability and protect consumers, but neither is explicitly aimed at meeting housing needs based on income levels as the Community Reinvestment Act does.