Responding to declining home-ownership rates for low-income families, Clinton sought to reform the Community Reinvestment Act (CRA) to encourage banks to make loans to inhabitants of low-income areas. The administration implemented new rules that would prevent banks from expanding if they failed to meet benchmarks for loans to low-income areas. Between 1993 and 1998, CRA lending increased at a faster rate than other loans, and home values in many CRA areas rose. Banks implemented new strategies designed to cater to lower-income borrowers, including the adjustable-rate mortgage. This effort was part of a broader initiative, the National Homeownership Strategy, which helped increase the share of Americans who owned their own homes from 64 percent to 67.4 percent during Clinton's presidency. Many of the sub-prime mortgages that allowed Americans to purchase homes would later play a role in sparking the Financial crisis of 2007–2008.