Posts about NCRC research.
The United States has too often hindered Native American advancement, not advanced it. Through years of intentional governmental policies that removed lands and resources, American Indians have been separated from the wealth and assets that were rightfully theirs.
Since the inception of the mid-20th century Civil Rights era and the implementation of racially blind laws such as the Community Reinvestment Act, we can point to little progress in bridging wealth and homeownership disparities.
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.
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 …
As the population of young Latinos, aged 18 to 35, continues to grow, protecting and expanding their economic progress during a national pandemic-induced crisis will be critical to their wealth-building trajectory.
This paper examines shifts in the market share of banks and nonbank financial institutions in important product markets. Banks are covered by the Community Reinvestment Act (CRA) which requires them to serve all communities, including low- and moderate-income (LMI) ones. Nonbanks, in contrast, do not have this obligation.
Latinos are the largest community of color and fastest-growing native born demographic in the United States.
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.
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.
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.
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.
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.
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.
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 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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