“You can’t out-budget poverty”: MakingChange, Inc. helps people overcome financial instability in affluent Maryland
Experiencing poverty in an affluent community like Howard County, Maryland can seem like a strange oxymoron due to the area’s high median income and low poverty rates. In 2022, the area was ranked as the sixth-richest in the nation with a median income of over $124,000 and one of the lowest poverty rates in the
Video: Post-Summit Debrief
Online Event Archive Recorded: November 6, 2025 In September, NCRC convened more than 160 community leaders, financial institutions, and policy experts in Nashville for a bold new kind of summit, one focused not on more panels, but on structured, action-oriented dialogue. We heard from national thought leaders about the “new normal” facing communities: shrinking federal support,
NCRC Statement: Weakening the Equal Credit Opportunity Act (ECOA) Breaks America’s Promises and Harms Its People
A new proposal from the Trump administration weakening the Equal Credit Opportunity Act (ECOA) is an outright assault on civil rights in lending.
Rebuilding Generational Wealth: How Portland Community Reinvestment Initiatives Creates Pathways to Black Homeownership
As one of the largest Black-led affordable housing nonprofits in the state of Oregon, Portland Community Reinvestment Initiatives (PCRI) continues to expand pathways to homeownership for Black communities systemically disenfranchised by discriminatory housing practices. Founded in 1992 after taking over properties from a discriminatory mortgage company, PCRI’s holdings have grown to over 700 properties, including
NCRC Opposes Sony’s Stablecoin Bank 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 November 7, 2025 Johnathan V. GouldComptroller of the Currency400 7th St., SWWashington, DC 20219 Sebastian R. AstradaDirector for Licensing, Midsize, Trust, Credit Card, and Novel BanksOffice
A strong and stable force: How Ceiba created a lasting community and economic development ecosystem for Latine families in Philadelphia
Ceiba, a coalition of Latine community organizations in Philadelphia, is named after the ceiba trees that grow in the Caribbean. These trees, known for their hardiness and far-reaching foliage, are complete ecosystems that provide shade and meet the needs of humans, animals and plants alike. The Ceiba coalition reflects its namesake by acting as a
Video: Upzoning, Development and Displacement: A Denver Case Study
Online Event Archive Recorded: November 5, 2025 By mapping which census tracts low-income residents are leaving and where they’re resettling, Jennifer Newcomer has created a unique dataset that NDC uses to advocate for land use changes and community benefits agreements to take a regional approach to affordable housing. This unique model is replicable across communities
Mortgage Market Report Series – Part 5: Top 50 Home Purchase Lenders Analysis for 2024
2025 NCRC Mortgage Market Series PART 5: Top 50 Home Purchase Lenders Analysis for 2024 What the top 50 lenders tell us about the limits of regulation and the future of fair housing PART 5: Top 50 Home Purchase Lenders Analysis for 2024 What the top 50 lenders tell us about the limits of regulation
NCRC Comment in Opposition to Coinbase National Trust 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 November 3, 2025 Johnathan V. Gould Comptroller of the Currency 400 7th St., SW Washington, DC 20219 Sebastian R. Astrada Director for Licensing, Midsize,
NCRC Urges the OMB and Treasury to Reinstate Full Staff at the CDFI Fund
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 October 29, 2025 The Honorable Scott BessentSecretaryU.S. Department of Treasury1600 Pennsylvania Ave, NWWashington, D.C. 20220 The Honorable Russell VoughtDirectorThe Office of Management and Budget725 17th Street,
Early Success Stories From NCRC’s 2024 FEF Grantees
As economic uncertainty deepens due to workforce reductions, shrinking federal budgets and mounting local challenges, community-based organizations are responding with creativity and determination. In collaboration with its member network, NCRC continues to maximize existing grant resources to empower these organizations to make a meaningful difference in low-income communities nationwide. Last November, the National Community Reinvestment
NCRC Comments on FHFA’s Proposed Affordable Housing Goals 2026-2028
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 November 3, 2025 Mr. Clinton Jones General Counsel Federal Housing Finance Agency 400 7th Street SW Washington, DC 20219 Re: FHFA Proposed Affordable Housing Goals
Is the Labor Market Stalling or Re-calibrating? October 2025 Race, Jobs and the Economy Update
With the federal government shutdown that began on October 1st ongoing, economic data releases from a plethora of federal agencies have ground to a halt. This also includes the jobs report issued by the Bureau of Labor Statistics. Despite the lack of official government data, several private sources that collect labor market data have produced
Trapped by Success: How Benefits Cliffs Undermine Economic Mobility for Single Mothers
A flaw in the structure of SNAP benefits has serious unintended consequences for recipients working to rise up the economic ladder.
NCRC’s 2025 EGRPRA Comment on the Community Reinvestment Act
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 October 23, 2025 OCC (submitted through Regulations.gov)Federal Reserve regs.comments@federalreserve.govFDIC Comments@fdic.gov RE: Docket ID OCC-2023-0016, FRB Docket No. OP-1828- EGRPRA Comment in reference to legacy CRA regulations The National
Partnerships That Work: Building Equitable Workforce Systems from the Ground Up
Equitable workforce development isn’t just about job placement or vocational credentials. At its core, it’s about ensuring a person’s race, gender or zip code does not determine their financial stability by helping people access high-quality employment that provides long-term economic security. While funding streams and sector strategies matter, we have to stay focused on
Power Through Partnership: The Coalition for Nonprofit Housing and Economic Development’s 25-Year Journey
Twenty-five years ago, the Coalition for Nonprofit Housing and Economic Development (i.e., the Coalition) was born from a simple realization that local advocacy organizations were weakening their impact by not working collaboratively. Two groups of local advocacy organizations focused on affordable housing and economic development respectively were constantly competing with each other for the same
NCRC Statement on Backward Decision to Shutter the CDFI Fund
Using the government shutdown to shutter the CDFI Fund is a mistake and the layoffs will harm local economies nationwide.
Opportunity Zones: A Taxpayer-Funded Program That Primarily Benefits Wealthy Investors
Seven years after its creation, the federal Opportunity Zones program has manifested a troubling pattern: creating massive taxpayer-funded benefits for wealthy investors while failing to meaningfully help the communities they were designed to serve. With the wealthiest Americans receiving substantial tax benefits on over $100 billion in capital gains through this program, Opportunity Zones represent
NCRC and its Members Leverage the Community Advisory Councils Model to Strengthen Underserved Communities
Investing in underserved communities takes more than a promise – it also takes a plan to keep that promise. The National Community Reinvestment Coalition (NCRC) has developed multiple techniques to ensure that bank commitments translate into meaningful change for historically disadvantaged neighborhoods and that the people who live there, and organizations that service them, have
NCRC Statement on New Rule Delaying Section 1071 Implementation
“Everyone agrees that small business owners and entrepreneurs deserve to be evaluated on their individual merit, free from presumptions, inadvertent bias or outright discrimination,” said Jesse Van Tol, President and CEO of NCRC. “The Section 1071 rule finalized in 2023 does just that by gathering data we need to make sure every small business gets a fair shake.
The Jobs Recession Is Affecting the Entire Black Community
It feels especially difficult to secure a job nowadays. The economy added only 22,000 jobs in August as job growth in nearly all industries has decreased or remained stagnant. The effects of what Mark Zandi, the chief economist at Moody’s Analytics, calls a “jobs recession” can be seen everywhere, from the rising length of time
NCRC Comment in Opposition to Application for Business Combination of Pinnacle Bank and Synovus Bank
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 September 29, 2025 Ann E. Misback, SecretaryBoard of Governors of the Federal Reserve20th Street and Constitution Avenue, N.W.Washington D.C. 20551regs.comments@federalreserve.gov Erien O. TerryAssistant Vice PresidentFederal Reserve Bank of
South Memphis Residents Skeptical of Musk’s xAI Economic Growth Claims as Pollution Concerns Grow
A debate is boiling in South Memphis over whether the potential economic benefits of an artificial intelligence facility outweigh the pollution-related health impacts to residents. Many low-income communities elsewhere may soon find themselves grappling with the same question. Residents of Boxtown, a predominantly Black community bordering the facility, are fighting to protect their health after
NCRC To White House: Don’t Let CDFI Funding Get Mashed In The Government Shutdown Gears
“It would be a mistake to throw the CDFI Fund baby out with the shutdown bathwater.”