The National Community Reinvestment Coalition (NCRC) was formed in 1990 by national, regional, and local organizations to develop and harness the collective energies of community reinvestment organizations from across the country so as to increase the flow of private capital into traditionally underserved communities. NCRC has grown to an association of more than 600 community-based organizations that promote access to basic banking services, including credit and savings, to create and sustain affordable housing, job development and vibrant communities for America’s working families.
Our members include community reinvestment organizations; community development corporations; local and state government agencies; faith-based institutions; community organizing and civil rights groups; minority and women-owned business associations, as well as local and social service providers from across the nation.
NCRC pursues its goals through a variety of programs and initiatives. For a brief summary of NCRC’s programs, please click here.
Our Housing Counseling Network leverages the expertise of a national network of mortgage advisors to professionally and credibly advise and educate potential homeowners to help build wealth. The mortgage advisors also work with servicers and lenders, on behalf of homeowners, to keep working families from losing their homes to foreclosure.
NCRC’s National Training Academy provides training and technical assistance on topics such as understanding how to use the Community Reinvestment Act (CRA), fair lending laws, Home Mortgage Disclosure Act (HMDA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Homeownership and Equity Protection Act (HOEPA), fair housing and foreclosure prevention. Our Economic Justice Campaign sites pilot innovative community partnerships to enhance the delivery of financial, technical, and social services to individual consumers, homeowners, and small business.
NCRC’s work is enhanced by two financial service advisory councils consisting of the nation’s largest banks and mortgage finance companies. Quarterly roundtables examine issues involving responsible financial service-related policies, regulations and legislation, as well as innovative products, services and best practices.
NCRC represents its members before Congress, federal regulatory agencies and the press. NCRC routinely testifies before Congress, and meets with the leadership of banking and lending regulatory agencies. NCRC frequently provides expert commentary on national television, and our research and policy papers have been cited in hundreds of newspapers in the U.S.