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Audio: What is going on with the Community Reinvestment Act?

With just three days left to comment, time is running out to ensure you have a say in the future of the Community Reinvestment Act. Meaningful changes to CRA could boost lending and access to banking for underserved communities.

Listen to this discussion hosted by NCRC’s Senior Civil Rights Investigator, Rose Ramirez, featuring Kevin Hill, NCRC’s Community Reinvestment Act Manager, and Josh Silver, NCRC’s Senior Community Reinvestment Act Advisor. They discuss the Office of the Comptroller of the Currency’s effort to change CRA rules, and what changes could mean to communities nationwide.

Then head over to the Federal Register to submit your thoughts. Go to our page for more instructions on how to submit a comment to ensure our communities don’t lose access to mortgages and small business loans.

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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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