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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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LATEST

NCRC Files Final Comment Letter On Proposed Overhaul Of Community Reinvestment Act Regulations
Modernizing CRA Means Giving Banks Credit For Climate Mitigation Projects
How the Community Reinvestment Act Can Support Childcare
Why Food Justice Advocates Should Care About CRA Reform

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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.

Section 1071

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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The fellowship aims to match up to 10 grassroots community development organizations with 10 graduate students to advance community development projects in traditionally underserved communities. Learn more.

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Produce a custom report on the mortgage/small business lending and bank branch networks in your area.
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Bank Branch Locator
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

The Temperature of Disinvestment: Examining Urban Heat Islands and Historically Redlined Communities
NCRC Member Profile: City of Dayton Human Relations Council
DCWBC ShopHer Profile: Kelem
DCWBC ShopHer Profile: Bermuda Triangle

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On our radar

American Banker: Black entrepreneurs take aim at racial wealth gap by starting mortgage fintech
The New York Times: Where an Army Paycheck Is an Easy Target
The Washington Post: Why are my patients still isolating in their homes? Gun violence.
NPR: Why The Racial Wealth Gap Is So Hard To Close
Bloomberg: Racial Disparity Crisis

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Press Releases

NCRC Files Final Comment Letter On Proposed Overhaul Of Community Reinvestment Act Regulations
$24 Million Settlement Of Modern-Day Redlining Case In Philadelphia Shows Government Takes Lending Discrimination Seriously
NCRC Board Chair Katy Crosby To Testify On Capitol Hill
NCRC’s Field Empowerment Fund For Nonprofits And CDFIs Opens Final Round Of Grant Applications
Groups Urge Downgrade To CRA Rating For Utah-Based TAB Bank

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in the news

Denver7 360: Homelessness in Denver: An in-depth look into an ongoing crisis
BBC News: America’s race gap between black and white homeowners
Banking Dive: BMO, community groups square off at merger hearing
Shelterforce: Proposed CRA Rule Receives Mixed Reviews from Housers

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OUR IMPACT

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AFFORDABLE HOMES purchased / renovated
$ 1 B
committed to Local Communities (yep that's B for BILLION)
1 K+
people trained on fair housing and lending.

Read Our Impact Report

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: