Racial Wealth Snapshot: Latino Americans
Latinos are the largest community of color and fastest-growing native born demographic in the United States.
Research
Posts about NCRC research.
Adding Robust Consideration of Race to Community Reinvestment Act Regulations: An Essential and Constitutional Proposal
DOWNLOAD Executive Summary The Community Reinvestment Act (CRA) was enacted in 1977. It was a response to the nation’s long and painful history of lending discrimination against people of color and the resulting disinvestment and decay in communities of color. Congress’ purpose was to counter decades of official and unofficial redlining and other forms of discrimination by …
Business Structure may have been a Barrier to the Paycheck Protection Program and Access to Credit
DOWNLOAD Key Takeaways Business structure played a role in accessing PPP loans. Entrepreneurs whose businesses were structured as LLC, S or C corporations were significantly more likely to have received a PPP loan than less sophisticated sole proprietorships and partnerships. Key Findings A survey of small business owners found that: Black men were significantly more …
2020 HMDA Preliminary Analysis
HMDA is a crucial tool for the public and local leaders to monitor the mortgage market and ensure lenders are not redlining in their communities.
In Philadelphia, over 21,500 evictions were avoided during the pandemic, mostly in Black and Hispanic communities. Will evictions soar as the moratorium ends?
The COVID-19 pause in evictions for unpaid rent is about to end. New analysis and a map from NCRC shows which neighborhoods in Philadelphia face the greatest risk for new evictions.
Whites and the Racial Wealth Divide Snapshot
The idea and identity of whiteness in America has long been constructed, remodeled and refitted. Used as a tool to exclude and oppress, to be identified as White was, and is, a way to gain access to privileges.
Massachusetts CRA for Mortgage Companies: A Good Starting Point for Federal Policy
The Massachusetts experience indicates that applying CRA to mortgage companies nationwide is feasible and likely would increase their retail lending and community development activity in lower-income communities.
Women-Owned Small Businesses In D.C Metro Region: Challenges & Resilience In A Time of Pandemic
DC Women’s Business Center surveyed 274 small business owners in the D.C. metro area to learn how the COVID-19 pandemic and economic downturn affected their businesses.
Addressing the Needs of Black-Owned Businesses and Entrepreneurs
Addressing the Needs of Black-Owned Businesses and Entrepreneurs Photo: © Andrey Popov via stock.adobe.com A follow-up report on the impacts of COVID-19 on entrepreneurship in Piedmont, North Carolina. Authors: Dedrick Asante-Muhammad, Chief of Membership, Policy and Equity at NCRCJamie Buell, Coordinator of Racial Economic Equity at NCRCTalib Graves-Manns, Co-Founder of Partners in Equity NCWilson Lester, Co-Founder …
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Landis’s Lease-to-Own Model & Black Homeownership
This brief explores the potential for Landis, a lease-to-own homeownership company, to make homeownership more accessible for African Americans.
The COVID Pandemic And Its Impacts On Culturally Significant Businesses
The pandemic and rapid social changes brought many challenges for a group of Black business owners in Washington, D.C., and Baltimore, but even so they emphasized the role of their businesses in maintaining the cultural vibrancy of their communities.
Racial Wealth Snapshot: Women, Men and the Racial Wealth Divide
Download Infographic Intro Women have made great strides in the workplace, comprising nearly half of the workforce, and surpassing men in higher education achievement. Yet, women still make less income, have less wealth and face greater economic instability than their male counterparts. The level of economic instability faced by men and women is greatly influenced …
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Black Entrepreneurship’s Lethal Pre-Existing Condition: The Racial Wealth Divide During the COVID Crisis
Black America was in an economic crisis before COVID-19, and recovery for Black-owned businesses will require solutions to the economic preconditions that made success and wealth accumulation so difficult to achieve before the pandemic, a new report found.
Relationships Matter: Small Business and Bank Branch Locations
Relationships Matter: Small Business and Bank Branch Locations — Key Takeaways The number of banks and bank branches has declined significantly since 2009. Local branches are still crucial to small business lending. Small business lending is increasingly dominated by the largest lending institutions. Smaller institutions are disappearing as they merge or are bought out by …
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60% Black Homeownership: A Radical Goal for Black Wealth Development
DOWNLOAD Overview: A radical increase in Black homeownership is needed to see progress in bridging Black and White homeownership and wealth inequality. One of the defining factors of economic well-being for individuals and families is household net worth or wealth, but not all families are equal. Decades of racial injustice and economic inequality have led …
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