An anti-displacement code of conduct provides a roadmap for banks and financial institutions to engage in responsible lending and investment practices in low-income neighborhoods. Often banks are complicit in small business displacement by underwriting loans to property owners who have a history of tenant harassment and evictions. Banks also often fail to invest in small business development and community ownership. Banks who sign an anti-displacement code of conduct pledge that they will lend to individuals, affordable housing projects, and small businesses in low- and moderate-income areas, and will report annually on their compliance. Recently, the California Reinvestment Coalition drafted state legislation that would require banks licensed in the state to follow certain underwriting and reporting requirements to deter discriminatory lending practices. While the state cannot require banks to comply, it can refuse to do business with banks that do not voluntarily comply.