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Research

Posts about NCRC research.

Racial Wealth Snapshot: Women, Men, and Racial Wealth Divide

This is one in a series of racial wealth snapshots. See more here. Download Infographic View Infographic Introduction Women have made great strides in the workplace, comprising nearly half of the workforce and surpassing men in higher education achievement. Yet women still earn less income, have less wealth and face greater economic instability than their …

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Tracing the Legacy of Redlining: A New Method for Tracking the Origins of Housing Segregation

Eighty years after the Home Owners Loan Corporation (HOLC) formally drew its redlining maps, those neighborhoods are still high minority population areas with the highest rates of vacancy in their metropolitan areas.

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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.

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Does Perceived Socio-Economic Status Impact Access to Credit in the Small Business Arena?

From November 1, 2020, to December 14, 2020, NCRC conducted multi-layered matched-
pair tests of 22 different financial institutions. The purpose of this study was to examine the
role of socio-economic status (SES), specifically perceived education, on the interactions
between race and treatment in the small business pre-application arena.

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Fair Lending Tool webinar

Online Event Archive Recorded Thursday, October 28, 2021 Learn how you can use this powerful tool, available to all NCRC members, to produce a report on mortgages, small business lending and bank branch networks for any city, county or metro area in the nation. You’ll also hear from local leaders about how they use this …

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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.

Paycheck Protection Application

Business Structure may have been a Barrier to the Paycheck Protection Program and Access to Credit

From October 23, 2020, to December 29, 2020, the National Community Reinvestment Coalition (NCRC) surveyed small business owners in nine Metropolitan Statistical Areas (MSA). The data collected in the survey provided insight into accessing capital for small businesses as this program had fewer entry barriers than traditional loan products.