Do Not Cross

Are All Americans Equal?

Most people are aware of the ongoing economic inequality suffered by the majority of Americans and disproportionately for African Americans. African Americans’ net wealth in the US is 1/10 of that of their fellow White citizens. The COVID–19 virus, the current economic recession and national protests has made many of us think deeper about whether

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Preliminary Analysis of 2019 HMDA Mortgage Lending Data

The Consumer Financial Protection Bureau (CFPB) released the 2019 Home Mortgage Disclosure Act (HMDA) data on June 24, 2020, detailing mortgage lending information from nearly all lenders in the United States. HMDA offers details on 9.3 million originations resulting from over 17.5 million applications.

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The Queer inequities in LGBTQ+ health

LGBTQ+ individuals face an accumulating amount of health inequities when age, race and ethnicity are held constant. As social determinants of health, issues like financial security and fair housing play a large role in the fight for health equity.

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FHA and FHFA Forbearance Letter

The Honorable Ben Carson Secretary U.S. Department of Housing and Urban Development 451 7th Street, SW Washington, D.C. 20210 The Honorable Mark Calabria Director Federal Housing Finance Agency 400 7th Street, SW Washington, D.C. 20219 Dear Secretary Carson and Director Calabria: We are writing to express our deep concern over recent policy changes regarding the

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Sign On Letter in Support of H.J. Res. 90 to Overturn the CRA Rule

Sign On Letter in Support of H.J. Res. 90 to Overturn the CRA Rule U.S. House of Representatives U.S. Capitol Washington, DC 20515 Dear Representative: On behalf of the undersigned organizations, we are writing to urge you to cosponsor and support H.J.Res. 90, a disapproval resolution that would overturn a poorly constructed rule change on

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The CFPB’s Revisions to the Qualified Mortgage Rules (the “GSE Patch”)

A price-based alternative, combined with existing statutory provisions and the additional regulatory safeguards outlined in the CFPB’s proposed rule, has the potential to improve access for LMI and minority borrowers, but it is critical to consider this proposal within the context of other federal policy changes affecting the nation’s housing finance system and the broader impacts of COVID-19 on LMI households and credit standards throughout the mortgage market.

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Brad Blower

General Counsel bblower@ncrc.org 202.383.7706 Brad Blower joined NCRC as its General Counsel in June 2020. Over the course of his career, he has worked as an advocate on civil rights and consumer protection issues with the federal government and in the nonprofit and private sectors. Prior to NCRC, Brad was the Vice President for Consumer

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Same-Sex Couples and Mortgage Lending

Introduction The National Community Reinvestment Coalition has analyzed new data available to researchers for the first time to determine borrower patterns among same-sex couples, in comparison to different-sex couples. Our research question was, will same-sex couples pay higher closing costs and more interest on mortgage loans than different-sex couples? From our analysis of 2018 Home

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OCC cracks open a debt trapdoor

In the middle of a worldwide pandemic and national crisis, the Office of the Comptroller of the Currency (OCC) has taken steps that could undermine the ability of states to protect their residents from the perils of high-cost loans.

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Has COVID-19 Resulted in Less Racism in Housing Sales?

As real estate agents scramble for new business, compliance with civil rights laws may not be the first thing on their minds. Yet evidence suggests that as housing sales plummeted in April, the amount of racial discrimination in the housing sales market plummeted alongside it. 

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