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Research

Posts about NCRC research.

Branch Closure Hero

The Great Consolidation of Banks and Acceleration of Branch Closures Across America

In the ten years from March 2010 through March 2020, there was a net loss of 11,820 branches in the US, an average of 98.5 per month. Since the pandemic reached our shores in March 2020, 4,025 branches have closed — an average of 201 branch closures per month. This was beyond our prediction and calls into question the future of bank branches as the principal conduit for access to financial services.

CRA and Race image

Adding Robust Consideration of Race to Community Reinvestment Act Regulations: An Essential and Constitutional Proposal

It is time for regulators to incorporate an explicit focus on race in core CRA regulations and examination procedures. This should and can be done in a manner that complements, and does not in any way supplant, the longstanding focus on LMI.

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