Protecting Duties to Serve and Responsible Next Steps for Reforming the Secondary Mortgage Market
Protecting Duties to Serve and Responsible Next Steps for Reforming the Secondary Mortgage Market (PDF Download)
Posts about NCRC research.
Protecting Duties to Serve and Responsible Next Steps for Reforming the Secondary Mortgage Market (PDF Download)
How well are regulators evaluating banks under the Community Reinvestment Act? Check out a new infographic showing the inflation of CRA grades. Download the infographic
CRA Grade Inflation Infographic Read More »
Today, the National Community Reinvestment Coalition (NCRC) released a series of maps showing the locations of bank branches and “alternative financial services providers” in Baltimore, Maryland. The maps show bank branch and “alternative financial services provider” locations based on income level and percentage of minority population. The maps show 122 bank branches in Baltimore,
Bank Branches in Baltimore, Maryland Read More »
NCRC CRA Q&A Issue Brief. The Office of the Comptroller of the Currency, the Federal Reserve Board, and the Federal Deposit Insurance Corporation (the “Agencies”) recently released a proposed update to the Community Reinvestment Act Q&A. The Agencies regularly review examination policies, procedures, and guidance to better serve the goals of CRA. Following the publication
Summary: Proposed Changes to CRA Q&A Read More »
The National Community Reinvestment Coalition (NCRC) analysis “Small Business Lending Deserts and Oases” reports on small business lending trends in the United States and disparities in access to credit for small businesses. The report comprehensively maps small business lending “deserts” and small business lending “oases” in the United States. The report reveals a significant national
NCRC Analysis: Small Business Lending Deserts and Oases Read More »
Today, the National Community Reinvestment Coalition (NCRC) released “Recommendations to the Consumer Financial Protection Bureau for Implementing Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010,” a white paper presenting recommendations on the collection and public availability of small business loan data from financial institutions. In the white paper, NCRC
Download the “Empowering Financial Service Providers to Help: Ways the Bank Secrecy Act Can Play a Stronger Role in Detecting and Preventing the Financial Crimes that Exploit Older Adults” white paper here.
This study examines recent trends in the availability of capital and credit for small businesses in the Appalachian Region, and compares financial conditions in 2010 with those in 2007, before the recent recession. In addition, the study assesses the impact of strategies to address capital gaps in underserved communities, including the use of regulatory
Washington, DC – Today, the National Community Reinvestment Coalition (NCRC) released a new report entitled “A New Dawn: Age-Friendly Banking.” The paper provides an overview of the current economic vulnerability of older adults and proposes a core set of age-friendly banking principles. To read the report, click here. National Neighbors Silver is a multi-year campaign
A New Dawn: Age-Friendly Banking Read More »
To read the guide, click here.
NCRC Analysis of Bank Account Complaints by ZIP Code Read More »
Washington, DC – Today, the National Community Reinvestment Coalition released a new Fair Housing Planning Resource Guide, entitled “Understanding the Proposed Affirmatively Furthering Fair Housing Rule.” This guide is intended to serve as resource for housing & community development professionals who are seeking to understand the recently proposed United States Department of Housing & Urban
Washington, DC – Today, the National Community Reinvestment Coalition released a new white paper, “A Guarantee for the Guarantee: Two Proposals to Ensure that the Future Secondary Mortgage Market Serves All Creditworthy Borrowers.” The paper introduces two policy proposals designed to promote access and ensure that the future secondary mortgage market serves all creditworthy borrowers
On June 25, 2013, Senators Bob Corker (R-TN) and Mark Warner (D-VA) introduced “The GSE Reform Act of 2013.” A bipartisan group of five senators co-sponsored the bill, including Senators Heidi Heitkamp (D-ND), Dean Heller (R-NV), Mike Johanns (R-NB), Jerry Moran (R-KS), and Jon Tester (D-MT). Unfortunately, the Corker-Warner legislation is problematic and raises significant
The Consumer Financial Protection Bureau (CFPB) recently issued a series of amendments to the Ability-to-Repay rule, which is set to go into effect January 10, 2014. The rule, originally issued in January of this year, holds lenders legally responsible for acting in good faith and making a reasonable determination, before closing, that a homebuyer has