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Stories about the nation's first female recession.
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We work with community leaders, policymakers and financial institutions to champion fairness and end discrimination in lending, housing and business.
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Redlining and Neighborhood Health
There is a higher prevalence of COVID-19 risk factors in historically “redlined” neighborhoods
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Like wealth and opportunity, the distribution of pain and grief is unequal.
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The Critical Need to Address Missing Data in HMDA
NCRC Statement: Biden Student Debt Relief Is A Great Start – But More Must Be Done
Call for 2023 Just Economy Conference Session Ideas
Why the Great Migration Did Little to Bridge the Great Racial Divide

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It’s time to strengthen the Community Reinvestment Act. Learn more.

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The Injustice Of Redlining

Better understand and  undo the unfair burdens of structural racism, both past and present. Learn more.

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Submit a comment to the CFPB on its proposal to collect small business loan data under Section 1071 of the Dodd-Frank act. Learn more.

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An interactive dashboard to locate clusters, branch deserts and gather additional data on how branches are serving your community.

Reports

Tracing the Legacy of Redlining: A New Method for Tracking the Origins of Housing Segregation
The Great Consolidation of Banks and Acceleration of Branch Closures Across America
NCRC 2020 Home Mortgage Report: Examining Shifts During COVID

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Member Stories

NCRC Member Profile: Inclusive Action for the City
NCRC Member Profile: UPI Loan Fund
The Temperature of Disinvestment: Examining Urban Heat Islands and Historically Redlined Communities
Fireside chat with Mayor Randall Woodfin and NCRC Board Chair, Catherine Crosby at The 2022 Just Economy Conference

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On our radar

The New York Times: Billionaire No More: Patagonia Founder Gives Away The Company
The Guardian: World Bank Warns Higher Interest Rates Could Trigger Global Recession
The New York Times: ‘A Crisis Coming’: The Twin Threats To American Democracy
NPR: High Rents Outpace Federal Disability Payments, Leaving Many Homeless
The New York Times: Railroad Unions And Companies Reach A Tentative Deal To Avoid A Strike

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Press Releases

NCRC Endorses Rep. Maxine Waters Legislation To Overhaul Community Reinvestment Act
Upstart Joins NCRC’s Innovation Council For Financial Inclusion
Consumer Advocate Groups Call on FDIC to Reject Ford Credit’s ILC Charter Application
NCRC Statement: Biden Student Debt Relief Is A Great Start – But More Must Be Done
Call for 2023 Just Economy Conference Session Ideas

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in the news

CUtoday: Banks Need to be Subject to Greater Transparency, NAFCU Tells Congress
Precinct Reporter News : Minority Entrepreneurship Report: More Money Could Help
The American prospect: The Reinvestment Movement vs. the Bankers
MPA: How to root out discrimination in the mortgage industry

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OUR IMPACT

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AFFORDABLE HOMES purchased / renovated
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committed to Local Communities (yep that's B for BILLION)
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people trained on fair housing and lending.

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Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

Complete the form to download the full report: