NCRC Member Profile: UPI Loan Fund

NCRC’s membership includes more than 600 community-focused organizations in 44 states. Here’s an introduction to one of them, UPI Loan Fund, from their Executive Director, Kerwin Brown. Tell us about your organization’s mission/focus area. We are based in Phoenix, Arizona, primarily serving the unbanked and underbanked and Black and Brown communities. Our vision is to

Read More »

NCRC Comment on Responsible Development of Digital Assets

(Download) August 8, 2022 Natalia Li Deputy Director Office of Financial Institutions Policy Department of the Treasury 1500 Pennsylvania Ave. NW Washington, DC 20220 RE: Docket 2022-14588 Ensuring Responsible Development of Digital Assets Dear Ms. Li: Thank you for the opportunity to comment on these questions. The National Community Reinvestment Coalition (NCRC) is an association

Read More »

NCRC Video: A conversation with key financial regulators on proposed Community Reinvestment Act (CRA) reform

Recorded August 2, 2022 Listen to our conversation with key financial regulators on proposed Community Reinvestment Act (CRA) reform. We dig into the potential areas for reform, and how these impact your communities. For more information and sample comment letters, visit our #TreasureCRA page. Speakers: Eric Belsky, Director, Division of Consumer and Community Affairs, Board of Governors of

Read More »

$24 Million Settlement Of Modern-Day Redlining Case In Philadelphia Shows Government Takes Lending Discrimination Seriously

The National Community Reinvestment Coalition (NCRC) on Wednesday applauded a $24 million settlement to punish serious intentional discrimination and redlining in the Philadelphia area, and urged the courts to endorse disciplinary action against Berkshire-Hathaway subsidiary Trident Mortgage Company proposed by the Department of Justice (DOJ) and Consumer Financial Protection Bureau (CFPB). “Lending discrimination is a

Read More »

Testimony of Catherine Crosby, Town Manager, Town of Apex; Board Chairperson, National Community Reinvestment Coalition

(Download) “Better, Together: Examining the Unified Proposed Rule to Modernize the Community Reinvestment Act” House Financial Services Subcommittee on Consumer Protection and Financial Institutions, July 13, 2022 I am honored to testify before you today on the proposed regulatory reform of the Community Reinvestment Act. I am the board chairperson of the National Community Reinvestment

Read More »

Developing radical goals for Black homeownership and access to affordable housing

Over the last 50 years, there has been little bridging of the Black/White homeownership divide. During this time of higher interest rates and a higher cost of housing, what can be done to significantly advance Black homeownership and access to affordable housing? We heard from a panel of experts on the type of radical changes needed and practical ways to move us in that direction.

Read More »

40 Groups Urge FDIC To Downgrade TAB Bank

(Download) June 30, 2022 Janet R. Kincaid Deputy Regional Director Federal Deposit Insurance Corporation 25 Jessie Street at Ecker Square, Suite 2300 San Francisco, CA 94105 RE: Community Reinvestment Exam for TAB Bank Honorable Deputy Regional Director Kincaid: The National Community Reinvestment Coalition and the undersigned groups believe that the practices discussed in this comment

Read More »

Advancing racial equity through infrastructure

This panel discussed the ways in which the Bipartisan Infrastructure Law ushers forward an era of promise for advancing equity through infrastructure programs to reconnect communities divided by transportation infrastructure, ensure clean drinking water and create employment pipelines to further economic prosperity in historically marginalized communities of color.

Read More »

    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

    Complete the form to download the full report: