In 1977, Congress enacted the Community Reinvestment Act (CRA) and required federal bank agencies to assess the record of banks in meeting needs for credit and banking services in communities in which banks are chartered. The federal bank agencies responded by creating CRA examinations that assessed banks’ performance in geographical areas containing bank branches and […]
This study examines how neighborhoods were evaluated for lending risk by the HOLC, and compares their recent social and economic conditions with city-level measures of segregation and economic inequality
A new report, produced in collaboration with NCRC, examined mortgages in low- and moderate-income neighborhoods in California. Many went to wealthy borrowers.
Overall, black entrepreneurs seeking small business loans faced more scrutiny compared to their equal or less creditworthy white counterparts.
NCRC examined the varying levels of CD finance by banks with different CD test ratings, concluding that there is a significantly larger level of CD finance by banks with “Outstanding” ratings than banks with ratings of “Satisfactory” and “Needs to Improve.”
Bank Branch Closures from 2008-2016: Unequal Impact in America’s Heartland(Download PDF) Web-based map tool: http://maps.ncrc.org/bankdeserts/index.html
The Community Reinvestment Act and Geography: How Well Do CRA Exams Cover the Geographical Areas that Banks Serve?(Download PDF)
Table of Contents Who We Are Investing in a Just Economy Invest Local Invest Forward Invest Fair Invest Period Who We Are Investing in a Just Economy Invest Local Invest Forward Invest Fair Invest Period 2017 Policy Agenda – Full version (Download PDF) Policy Fact Sheets Invest Local Defend CRA From Efforts to Weaken It […]
How CRA Can Promote Integration and Prevent Displacement in Gentrifying Neighborhoods(Download PDF)
