NCRC’s Comment Opposing the OCC’s Reinstatement of Expedited Merger Review and Rescission of 2024 Policy Statement
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 June 16, 2025 RE: Rescission of 2024 update to Business Combinations Under the Bank Merger Act; Docket ID OCC-2025-0001 To Whom it May Concern: While the
Covenant Community Capital’s Work Making Homeownership Attainable for Working Class Buyers
NCRC member organizations pursue a range of missions that fit broadly under the umbrella of promoting economic equity for all Americans. The research team at NCRC supports those members in many ways, including providing assistance in quantifying the impact of our members’ efforts in their communities. One Houston, TX-based community development financial institution (CDFI) offers
Video: Gentrification Nation: Displaced By Design
Online Event Archive Recorded: June 5, 2025 Over the past five decades, gentrification has fundamentally reshaped America’s urban neighborhoods, creating complex dynamics of revitalization and displacement. Our recently released comprehensive analysis, Displaced By Design, reveals that gentrification, once confined to small parts of some cities, is on the rise across many housing markets. The human cost
Business Ownership and Its Role in Maintaining the Racial Wealth Gap
The racial wealth gap remains one of the biggest economic inequity problems facing the United States today. With its origins in chattel enslavement of Black Americans, the gap remains a stark reminder of the societal costs of these insidious practices. Long after abolition, neighborhood redlining and instances of racial terror, such as the 1921 Tulsa
Video: Just Economy Conversations: Valuing Homes in Black Communities Through Restorative Opportunities
Online Event Archive Recorded: June 3, 2025 Spotlight Innovators from the Valuing Homes in Black Communities Challenge, hosted by Economic Architecture and the Brookings Institution, shared new innovations and strategies in the housing equity space. Hear from Ashon Nesbitt from the Florida Housing Coalition, Cat Goughnour from the Maryland Department of Housing and Community Development,
A Place to Call Home: How NCRC Tools Help Denver Nonprofit Advocate for Equitable Housing
Housing nonprofits in Colorado had their hands full following the Great Recession of 2007. Fewer homes were being built, with unemployment causing housing insecurity rates to rise exponentially. Local and state governments also had fewer resources to help those in need. “After the Great Recession, there was a desire to co-advocate in a way that
Reclaiming Tribal Lands Through Innovative Economic Development Efforts
The lack of affordable housing and other structural barriers to homeownership are a nationwide problem. Yet, for Native communities living on tribal lands, those dynamics become an even more complicated challenge to overcome. They are often overlooked by traditional state, local, regional and federal housing assistance programs and minimized as constituents given their unique sovereign
Obstructing The American Dream: Federal Policies Pose Existential Threat to Immigrant-Owned Small Businesses
There is nothing like getting off at your Metro stop and being greeted by the urban and international metropolis that is Washington, D.C. Everywhere you turn you see the influence of immigrants from countries all across the world– from the aroma of a warm Ethiopian coffee to the mellow taste of a bowl of Vietnamese
NCRC And Old National Bancorp Announce Addendum to Increase Community Growth Plan to $11.1 Billion
The National Community Reinvestment Coalition and Old National Bancorp announced a $1.6 billion addendum to Old National’s multi-year Community Growth Plan.
Video: Ending Redlining and Discrimination against Communities of Color and Modest-Income Neighborhoods
Online Event Archive Recorded: May 21, 2025 NCRC Senior Fellow Josh Silver discusses his new book, “Ending Redlining through a Community-Centered Reform of the Community Reinvestment Act.” This book talk explains: What is redlining and how it devastates communities How and why CRA was devised as a means to rectify redlining through community empowerment The
Utah Housing Coalition Fosters Community Collaborations Towards Increase Housing Stability
Small but mighty – that’s the self-described motto of the two-person team leading the Utah Housing Coalition (UHC), a nonprofit organization that promotes equitable and sustainable communities by ensuring all Utahns have a safe and affordable place to call home. “We always say we take on the role of a low-income voice because those are
Video: Just Economy Conversations: New Frontiers in Financing Homes
Online Event Archive Recorded: May 6, 2025 Innovation, technology, and shared equity are reshaping access to homeownership and creating new pathways for building wealth. With $44 trillion of U.S. wealth tied up in housing, a new generation of tools and approaches—spanning blockchain, shared equity models, and impact-driven capital—offer alternatives to traditional ownership structures. Our panelists
Baltimore Community Lending Celebrates Grand Opening of Business Development & Resource Center
Aspiring small business owners in Baltimore are gaining a powerful new ally, right in the heart of downtown. Baltimore Community Lending (BCL) will launch its new headquarters and Business Development & Resource Center (BD&RC) on June 18, 2025. The new facilities at 301 N Calvert St. reflect BCL’s recent expansion of its mission to revitalize
NCRC and 100+ CDFIs Demand $324 Million in Appropriations for 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 May 27, 2025 The Honorable Bill HagertyChairAppropriations Subcommittee on Financial Services & General GovernmentUS Senate251 Russell Senate Office BuildingWashington, DC 20510 The Honorable David JoyceChairAppropriations Subcommittee
ANALYSIS: How Will the House Reconciliation Package Affect NCRC Members, and What Comes Next?
An analysis of how the “One Big Beautiful Bill” House reconciliation package extending Trump tax cuts will affect low-income communities and community development.
Video: Open Banking 2.0: Leveraging Data to Empower Underserved Populations
Online Event Archive Recorded: May 20, 2025 We examine how the latest advancements in open banking can be harnessed to address the needs of underserved populations. Panelists delve into practical strategies for leveraging financial data to improve access to financial services, enhance financial literacy, and promote equitable economic opportunities. Gain tips for navigating regulatory challenges
United South Broadway Corporation: A Holistic Model of Community Development
NCRC member organization United South Broadway Corporation (USBC) is a shining example of what it looks like when an organization tackles a problem holistically. The community development corporation was created to help low-income community members purchase homes in Albuquerque, New Mexico. Since then, it has grown statewide, establishing community programs that have changed the outcomes
“Opportunity Zones” for Whom? Lack of Equitable Development Outcomes Highlights Need for Reforms to Key Program
In most American communities, one will see sleek, newly constructed luxury apartments, a variety of trendy eateries, carefully manicured shrubbery and the new well-to-do residents seemingly without a care in the world on one block. Then, one will see the bleak, dilapidated buildings, gaudy fast-food restaurants, tree-barren landscapes and the established residents that are struggling
Call for 2026 Just Economy Conference Session Ideas
Add your voice and expertise to the 2026 Just Economy Conference. The conference takes place April 13-14 in Washington, DC, and will be followed by NCRC’s member-only Hill Day on April 15. This is the national event for community, business, foundation, policy and government leaders who want a nation that not only promises but delivers
NCRC Member Advances Housing Accessibility And Sustainability In Rural New Mexico
For over half a century, Tierra del Sol Housing Corporation has been a trailblazer in the community development sphere, providing single and multi-family housing to farmworkers, seniors and lower-income individuals across rural New Mexico. For most of those years, executive director Rose Garcia has been at the heart and helm of the organization. A Latina
NCRC Announces Housing Counseling Network Open Enrollment Period
The National Community Reinvestment Coalition (NCRC) opened the enrollment period for its Housing Counseling Network (HCN) today. Established in 2008, HCN provides operational oversight and technical assistance for US Department of Housing and Urban Development (HUD) approved housing counseling agencies. HCN offers its agency members the opportunity for industry networking and shared learning opportunities. NCRC
Displaced By Design: Fifty Years of Gentrification and Black Cultural Displacement in US Cities
A new analysis of gentrification and displacement since 1980 — with interactive maps.
Organizations Ask Federal Reserve to Reconsider Approval of Harmful Capital One – Discover Merger
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 May 12, 2025 Ms. Ann E. MisbackSecretary of the BoardBoard of Governors of the Federal Reserve System20th Street and Constitution Ave NWWashington, DC 20551 Re: Reconsideration of Capital
Empty Shelves and the Possibility of a Recession: May 2025 Race, Jobs and the Economy Update
Analysis of Topline Figures in the May BLS Report The economy added 177,000 jobs in April while the unemployment rate remained at 4.2%. The February and March job gains were revised down by 15,000 and 43,000, respectively. The April job gains came primarily in the healthcare and education (+58,000), transportation and warehousing (+29,000), and leisure
NCRC Announces Extension For Housing Counseling Services Grant Applications
The National Community Reinvestment Coalition (NCRC) announced today it is extending the application period for its new Housing Counseling Services (HCS) grant program to May 30, 2025, for new select geographies. The HCS program, a part of the well-established, multi-year Field Empowerment Fund (FEF), was launched in February through a partnership with KeyBank. The current