Posts about NCRC research.
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.
Latino housing trends during COVID-19 Read More »
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.
Making CRA Relevant for a Changing Financial Services Industry Read More »
The Injustice of Redlining For decades, starting at least in the 1930’s, low-income and minority communities were intentionally cut off from lending and investment through a system known today as redlining. Today, those same neighborhoods suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher incidence of chronic diseases.
The Injustice of Redlining Read More »
Latinos are the largest community of color and fastest-growing native born demographic in the United States.
Racial Wealth Snapshot: Latino Americans Read More »
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.
2020 HMDA Preliminary Analysis Read More »
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.
Whites and the Racial Wealth Divide Snapshot Read More »
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.
Massachusetts CRA for Mortgage Companies: A Good Starting Point for Federal Policy Read More »
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.
This is a limited demo of NCRC’s Fair Lending Tool. The full tool is available to NCRC members. Not a member? Join here.Instructions for use: This is an interactive report. Please use the tiles at the top to page forward. Questions: Jason Richardson Director, Research & Evaluation jrichardson@ncrc.org 202-464-2722
Sample – Fair Lending Report Read More »
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
Addressing the Needs of Black-Owned Businesses and Entrepreneurs Read More »
This brief explores the potential for Landis, a lease-to-own homeownership company, to make homeownership more accessible for African Americans.
Landis’s Lease-to-Own Model & Black Homeownership Read More »
The pandemic and rapid social changes brought many challenges for a group of Black business owners in Washington, D.C., and Baltimore, but even so they emphasized the role of their businesses in maintaining the cultural vibrancy of their communities.
The COVID Pandemic And Its Impacts On Culturally Significant Businesses Read More »
