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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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Faulty Foundations: Mystery-Shopper Testing In Home Appraisals Exposes Racial Bias Undermining Black Wealth
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

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On our radar

Better Markets: federal Reserve’s Climate Scenario Analysis Is a welcome First Step In addressing Climate Risks But Must Have Supervisory Consequences
American Banker: Fed Proposes Permanent Extension Of Real Estate Debt Leniency
Insider Intelligence: Green Banking Groups Need Clarity On How Best To Deal With Climate Change
Vox: The Child Care Crisis just Keeps Getting Worse
The New York Times: E.P.A. Will Make Racial Equality A Bigger factor In Environmental Rules

Press Releases

NCRC Supports Nomination Of Martin Gruenberg To Head FDIC
NCRC Announces Expanded Community Benefits Agreement With First Merchants Bank
NCRC Hires Larry Cain as Director of Finance
NCRC Hires Daniella Djiogan as Project Director of the DC Women’s Business Center
NCRC Files HUD Complaints Against Appraisers Who Discriminated Against Black Homeowners In Recent Investigation

in the news

The Observer: Capitol Hill Committee Questions Bank Branch Closures in Black America
Legal Newsline: CFPB’s loosening of rules ‘arbitrary and capricious’?
Banking Dive: Edward Jones withdraws ILC charter application
Dodd Frank Update: NCRC and HUD launch fair housing social media campaign

OUR IMPACT

1 +
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.
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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

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