Adam Rust

Senior Policy Advisor
arust@ncrc.org 202-464-2714

Adam Rust is a Senior Policy Advisor at the National Community Reinvestment Coalition, where he pursues the organization’s policy agenda for digital banking and consumer lending, as well as in its primary mission to defend the Community Reinvestment Act.

From 2005 to 2020, he was Director of Research at Reinvestment Partners (RP), an advocacy and community development non-profit organization in Durham, North Carolina. While at Reinvestment Partners, he authored numerous publications on consumer finance, payments and mortgage lending. As the lead for RP’s WiseWage project, he facilitated a socially-responsible LLC that migrated over one thousand workers to FDIC-insured bank accounts. He served on the Board of Directors of the US Faster Payments Council and as a consumer representative to the Department of Housing and Urban Development’s Manufactured Housing Consensus Committee.

He has master’s degrees in Journalism from the University of Missouri (1997), City and Regional Planning from UNC-Chapel Hill (2003) and Finance from Indiana University (2016).

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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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