Research

Posts about NCRC research.

Bank branches are still essential for small business communities

By / / Research, Views / 3 minutes of reading

Bank branches matter. Countering the overwhelming messaging from many banks and even some regulators, the National Community Reinvestment Coalition (NCRC) has published several reports over the years that detail how much branches still matter for consumers and communities, even in 2019. Just look at the number of branches that banks opened in the last year, and it is clear that they also know the value of a physical outpost in the community they want to serve.

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Student loan debt impacts homeownership

By / / Research, Views / 4 minutes of reading

In 2019, the total student loan debt in America is about $1.5 trillion. According to the New York Consumer Credit Panel, adults under 40 hold 65% of the total student loan debt. Although there has been much said about this figure, the income enhancement offered by a college degree still far outweighs the cost of the debt.

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An examination of high-cost lending by banks, non-banks, credit unions

By / / Research / 4 minutes of reading

A previous NCRC analysis found that, overall, a higher percentage of banks made a higher percentage of home loans to low- and moderate-income (LMI) borrowers and communities than non-banks and credit unions. However, access to home loans is only half the battle. We also need to have information on the affordability of loans to get

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Small business lending data is the iceberg in our economic ocean

By / / Views, Research / 4 minutes of reading

In September 2018, the Federal Deposit Insurance Corporation (FDIC) released the results of a survey of 1,200 banks on small business lending in America. It found that small business lending is threatened by the decline of smaller banks and the reduction of bank branches in many communities. But just as revealing was what the survey didn’t find. More information that would be essential for policy and regulatory decisions remains concealed, invisible to the public.

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American neighborhood change in the 21st Century

By / / Research / 3 minutes of reading

Downtown areas in many economically vibrant and changing cities across the United States are being rapidly gentrified, according to a new study by the University of Minnesota School of Law. The study, “American Neighborhood Change in the 21st Century: Gentrification and Decline,” also found that neighborhoods in the inner-ring suburbs of these same cities, built

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Home lending to LMI borrowers and communities by banks compared to non-banks

By / / Research / 6 minutes of reading

Introduction As the federal bank agencies consider Community Reinvestment Act (CRA) reform, data on the patterns of lending to low- and moderate-income (LMI) borrowers and neighborhoods will help inform needed changes. For example, if non-banks not covered by CRA were found to be making significantly higher percentages of loans to LMI borrowers or neighborhoods than

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The CFPB’s consumer complaint database tells a story about our economy we need to hear

By / / Research / 5 minutes of reading

There is a little known public database of complaints about financial institutions that is garnering a lot of criticism from some banks and regulators. Despite this criticism, highly valuable information can be gleaned from these complaints that can help banks and other financial institutions better serve their customers. In 2010, when the Dodd-Frank Wall Street

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Study: Gentrification and cultural displacement most intense in America’s largest cities, and absent from many others

By / / Research, Press Releases / 5 minutes of reading

Seven cities accounted for nearly half of the gentrification nationally: New York City, Los Angeles, Washington, D.C., Philadelphia, Baltimore, San Diego and Chicago.

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Shifting Neighborhoods: Gentrification and Cultural Displacement in American Cities

By / / Research / 33 minutes of reading

Shifting Neighborhoods Gentrification and cultural displacement in American cities [mashshare]   Jason Richardson, Director, Research & Evaluation, NCRCBruce Mitchell, Ph.D., Senior Research Analyst, NCRCJuan Franco, Senior GIS Specialist, NCRC March 19, 2019 online pharmacy buy zantac no prescription online pharmacy EXECUTIVE SUMMARY Gentrification is a powerful force for economic change in our cities, but it

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Canada is having a housing crash that should serve as a warning to the US

By / / Research, Field Notes / 3 minutes of reading

The entire Canadian housing and mortgage market has dropped off a financial cliff, which should pose as a warning for the U.S. as we talk about reforming our Government-Sponsored Enterprise (GSE) system. In 2008, when the U.S. was entering a full housing market crash, Canada took several steps to disguise the exposure of Canadian households.

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Philadelphia and the rapid gentrification of downtown

By / / Research / 2 minutes of reading

online pharmacy buy periactin no prescription pharmacy buy levaquin online https://pinnacleplasticsurgery.com/wp-content/uploads/2019/04/levaquin.html Philadelphia has been one of the most rapidly gentrifying metro areas in the nation. A recent study by NCRC found that between 2000 and 2013, 57 neighborhoods in Philadelphia showed signs of residential gentrification. This includes the influx of large numbers of college-educated residents,

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Philadelphia and business disinvestment

By / / Research / 2 minutes of reading

To understand why some parts of Philadelphia continue to struggle to attract investment in businesses it is critical to know about the city’s history of redlining and segregation.  “Redlining” was the practice of barring lending in certain areas of cities based not just on the physical factors of the neighborhood and its housing stock, but

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