American Banker: Judge reverses Trump-era HMDA rule, forcing small mortgage lenders to comply

American Banker, September 29, 2022, Judge reverses Trump-era HMDA rule, forcing small mortgage lenders to comply

“It’s really important that we have well-substantiated rules that can stand the test of time, whatever administration is in power,” said Brad Blower, general counsel at the National Community Reinvestment Coalition, one of five nonprofits that sued the CFPB. The other plaintiffs were Montana Fair Housing, Texas Low Income Housing Information Service, Empire Justice Center and the Association for Neighborhood & Housing Development.

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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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