Mobility Monitor: Husted Introduces Upward Mobility Act, Universal Childcare in NYC and Big Changes to SNAP Coming Soon
Congress Tackles the Benefits Cliff Senator John Husted (R-OH) recently introduced the Upward Mobility Act, which proposes pilot projects that would allow five states to combine funding streams for anti-poverty programs to help eliminate benefits cliffs. The legislation takes aim at a major flaw in the current design of the social safety net that disincentivizes
NCRC Urges OCC To Reject World Liberty Holdings’ Bank Charter Application
In its comment filed Monday, the National Community Reinvestment Coalition (NCRC) urged the Office of the Comptroller of the Currency (OCC) to reject World Liberty Holdings, LLC ‘s application for a national trust bank charter due to potential conflicts of interest.
NCRC’s Comment On World Liberty Trust Company National Trust Bank Charter Application
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download February 9, 2026 Jonathan V. GouldComptroller of the CurrencyOffice of the Comptroller of the Currency400 7th St., SWWashington, DC 20219 Via electronic mail: LicensingPublicComments@occ.treas.gov RE: Public
NCRC Comment Opposing the OCC’s Proposed Amendments to its National Trust Bank Chartering Regulation
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download February 10, 2026 Jonathan V. Gould Comptroller of the Currency Office of the Comptroller of the Currency 400 7th Street SW Washington, DC 20219
The Importance of Applying Anti-Redlining Laws to Property Insurance To Fix the Affordability Crisis
The anti-redlining movement took shape in the 1970s as a response to long-standing obstacles that made it difficult for all communities to prosper. Financial companies engaged in redlining by mapping out neighborhoods they refused to serve. Loans to people of color were denied at higher rates, or originated at higher costs, to the borrower. Blind
FY 2026 Budget Deal: Final Funding for HUD, CDFI, SBA – and What’s Next for DHS
On February 3, President Trump signed H.R.7148 Consolidated Appropriations Act of 2026 into law, which will fund most of the federal government until September 30. The package included five of the six remaining appropriations bills and corresponding earmarks that Congress had not yet passed: Financial Services and General Government State, Foreign Operations and Related Programs Defense Labor, Health, and Human Services, Education and Related Agencies Transportation,
The Local Costs of the AI Boom: Ensuring Data Centers Deliver Community Benefits In The Midst of Hypergrowth
In December of last year, Senator Bernie Sanders called for a national moratorium on the construction of data centers “that are powering the unregulated sprint to develop & deploy AI.” Sanders’ stand follows bipartisan backlash resisting proposals to construct data centers in communities across the country. Recent reporting from Data Center Watch shows an estimated
Host Organization Applications Now Open For NCRC’s Fellowship For Equitable Development
The National Community Reinvestment Coalition (NCRC) is launching the fifth year of its transformative fellowship program that matches graduate students with esteemed community development organizations.
ALERT: OCC Proposal Puts Hundreds of Millions of Community Development Dollars at Risk Per Year
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download The OCC is currently taking comments on proposed guidance intended to simplify how banks use the strategic plan option for their Community Reinvestment Act (CRA) performance
Video: 2026 Fellowship Host Application Informational Webinar
Online Event Archive Recorded: January 28, 2026 Learn more about the application process to host a graduate student for a member-designed, 9-month fellowship project that drives your organization’s mission forward. The fellowship pairs innovative, graduate-level talent with NCRC members to address pressing issues such as climate resilience, affordable housing, food and water security, community health
Banks, Credit Unions and Consumer Groups Support ‘Close the Shadow Banking Loophole Act’
A coalition of leading banks, credit unions and consumer organizations today endorsed legislation to close the industrial loan company loophole.
New Report Finds That Economic Conditions Are Deteriorating For African Americans
Coinciding with the Dr. Martin Luther King Jr. Holiday, the Joint Center for Political and Economic Studies released its annual State of the Dream report.
In a New Year, Old Uncertainties Remain: January 2026’s Race, Jobs and the Economy Recap
2025 was a year of slowing job gains, a bifurcated consumer economy and trade war uncertainties. These negative trends will likely continue and intensify in 2026. The last jobs report for the year produced by the Bureau of Labor Statistics only further confirms the anemic nature of the jobs market. The economy added a modest
Video: SNAP E&T Basics Part 2: Infrastructure & Staff Requirements
Online Event Archive Recorded: January 21, 2026 In the second of our 5-part series covering the essentials of SNAP E&T, NCRC’s Economic Mobility team share how community-based organizations evaluate and assess the alignment of your training programs and support services with SNAP E&T requirements as well as the capacity of their current workforce development staff.
“Neighborhoods have a say”: Working In Neighborhoods works to create economic opportunity for all in Cincinnati
Attracting new investments in lower-income neighborhoods can feel like a Sisyphean challenge for many communities. But, there is a group that seems to have found a magic formula for combining the best efforts of community leaders, elected officials and policy professionals to create lasting change. Working in Neighborhoods (WIN) was founded in Cincinnati, Ohio in
NCRC’s Comment on the OCC’s Proposed Community Bank Licensing Rule
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download January 20th, 2026 RE: Community Bank Licensing Amendments, Docket ID – OCC-2025-0273 To Whom it May Concern: The National Community Reinvestment Coalition (NCRC) opposes the Office
NCRC Comment in Opposition to PayPal Holdings Inc. Application for Federal Deposit Insurance
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download January 20, 2026 Acting Chairman Travis Hill Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 Via email: comments@fdic.gov Alex Chriss, President &
Mortgage Market Report Series – Part 7: Investor Lending Analysis
2025 NCRC Mortgage Market Series PART 7: Investor Lending Analysis This report tracks investor lending for second homes and rentals—showing volatility, concentration in Florida/vacation markets, and large demographic gaps. January 2026 PART 7: Investor Lending Analysis This report tracks investor lending for second homes and rentals—showing volatility, concentration in Florida/vacation markets, and large demographic gaps.
Unlocking Wealth on Trust Land: NCRC Member Helps Tribal Families Gain New Paths to Homeownership
Homeownership isn’t just part of the American dream – it’s a critical tool for building wealth and financial security. Because unique federal rules and regulations make it harder for tribal communities to achieve homeownership, the Tribal Homeownership Coalition of the Southwest (THOCSW) is working to bridge that gap. Founded in 1999 and serving Native communities
NCRC CDF Loan & Financial Readiness Cohort
Apply Here Loan & Financial Readiness Cohort A 7-week program equipping entrepreneurs to become loan-ready The Loan & Financial Readiness Cohort is a 7-week program designed to equip entrepreneurs with the knowledge and tools to become loan-ready. Participants will learn to navigate the lending process, strengthen financial capacity and prepare lender-ready materials to confidently pursue
NCRC’s Opposition Letter to Digital Asset Market Structure Legislation
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download January 13, 2026 Committee on Senate Banking, Housing, and Urban Affairs United States Senate Washington, DC 20510 Dear Members of the Senate Banking Committee:
Investing in Housing Counselors: Safeguarding a Critical Resource for Family Housing Stability
As financial pressures mount for American families, one of their most trusted allies is quietly being pushed to the brink: housing counselors. Last year’s 43-day government shutdown, coupled with the threat of another in January, has delayed HUD’s annual Housing Counseling funding application. These delays don’t exist in a vacuum, exacerbating hardships for low- and moderate-income families already struggling to afford rent and
NCRC Announces Expanded Opportunity For Workforce Organizations In The New England Region
The National Community Reinvestment Coalition (NCRC) will expand its initial plans to provide workforce organizations with training and technical assistance around the Supplemental Nutrition Assistance Program’s Employment and Training program (SNAP E&T).
NCRC Pressure Pays Off: CFPB Requests Funding To Keep Doors Open
The National Community Reinvestment Coalition’s (NCRC) advocacy efforts have led to the Consumer Financial Protection Bureau (CFPB) requesting the Federal Reserve transfer $145 million to keep it running through the second quarter of fiscal year 2026.
After the Shutdown: What We Learned about SNAP’s Vulnerabilities
The federal government shutdown that began on October 1 created immediate uncertainty for millions of households that rely on the Supplemental Nutrition Assistance Program (SNAP). Although the shutdown has ended, the disruption revealed how fragile our nation’s food assistance infrastructure really is. A single lapse in federal funding brought SNAP to the brink of severe