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About NCRC

The National Community Reinvestment Coalition and its grassroots member organizations create opportunities for people to build wealth. We work with community leaders, policymakers and financial institutions to champion fairness and end discrimination in lending, housing and business.

NCRC was formed in 1990 by national, regional and local organizations to increase the flow of private capital into traditionally underserved communities. NCRC has grown into an association of more than 600 community-based organizations that promote access to basic banking services, affordable housing, entrepreneurship, job creation 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.

We provide agenda-setting research, training, insight and advocacy on behalf of members; we renovate and build affordable homes for low- and moderate-income families; we provide counseling to home buyers and owners and business-building expertise to entrepreneurs; we train and support housing counselors nationwide; we test, monitor and challenge discrimination in financial services and housing; and we convene and facilitate dialog between financial institutions and community networks to increase lending, investments and philanthropy in neighborhoods that need it.

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 financial regulatory agencies. NCRC frequently provides expert commentary for national, regional and local media, and our research and policy papers are routinely cited by journalists, economists and scholars focused on banking, housing, urban renewal, rural development and civil rights.

Our Impact Last Year

Community Benefits Agreements

$187 Billion

We facilitated four community benefits agreements with banks that committed $187 billion in loans, investments and philanthropy to underserved communities and the organizations that serve them.

Through 2021, NCRC completed community benefits plans with 17 banking groups that will put a combined $383.3 billion into underserved communities, as well as 86 additional bank branches. 

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Research

14 major reports

We published 14 major reports and four racial wealth snapshots. 

Just Economy Conference

4,219 hours of content

The virtual Just Economy Conference reached a record 1,516 live attendees, 4,219 hours of content viewed online, and 2,714 chats exchanged among participants, plus 56 Just Economy Sessions over eight days.

virtual Conference

44 state delegations

Advocacy Week: 110 meetings with the House, Senate and federal regulators with 44 state delegations, including Washington, DC, and Puerto Rico.

Keys

Housing

240 homes acquired

GROWTH by NCRC acquired 240 homes and sold 72, of which 85% benefited LMI neighborhoods/persons, or both. 

Since 2015, GROWTH has:

  • invested more than $133 million in 878 homes
  • sold 395 homes, 85% of the homes were sold either to LMI buyers and/or within LMI communities

Training

147 training programs

with 4,100+ participants.

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NCRC Community Development Fund

99% of
$1.12 million

in federal Paycheck Protection Program (PPP) loans went to Hispanic, Black and immigrant- or woman-owned businesses.

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93% of $5 million in small business loans went to minority-owned businesses.

$1.3 million in grant funding distributed to 65  minority-, woman- and LMI-owned small businesses nationwide.

Attention

39k

Our work and people were cited or mentioned in 39,000 media reports.

607,860

unique users at ncrc.org

Housing Counseling Network

26 Member organizations in 19 states and the District of Columbia, assisting a total of 8,505 clients.

Triangle

growth

19 markets in 11 states and the District of Columbia

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Coalition

Grew to 625 organizations in 46 states and Puerto Rico and DC.

Up to 9

10-19

20-39

40-70

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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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