Analysis and points of view on research, trends, issues, ideas and opportunities.

Women and COVID-19 Financial Recovery: Understanding Stigma and Financial Services Deserts

Understanding the distinct consumer needs of different consumer segments is fundamental to engaging with individuals who experience financial vulnerability and stigma as they approach a post-pandemic financial recovery. Organizations can help to play an important role in supporting customers with their personal financial recovery.

Community organizations seek a sharp focus on rigor, equity and responsible lending and banking practices in CRA reform

This article focuses on the views of NCRC member organizations and community-based allies. If community organizations could write the CRA regulations, the CRA would increase in rigor, grade inflation would be curbed and the focus would be on underserved populations including low- and moderate-income populations, tribal communities, people of color, rural communities and people with disabilities. 

The BIPOC Caregiver

Our care systems, deeply rooted in racial and gender inequities for those providing paid and unpaid care work, are in need of an overhaul.

Women need child care; child care needs to change

Having access to affordable child care is essential to having labor force participation from women, who, due to sexist societal and traditional gender roles combined with lower wages than men, struggle between workforce participation or the care and education of their children.

Some common views on CRA reform among community groups and industry, but differences need to be resolved

In a previous article, I described how some big issues on reforming the Community Reinvestment Act (CRA) exposed a considerable difference of views among community groups and the banking industry. However, there was some convergence of views on a series of other important issues, including performance measures and ratings categories. On these issues, the remaining differences appear to be manageable. 

Banks Shouldn’t finance LGBTQ+ discrimination

When banks promote outreach to marginalized groups, while granting loans to organizations that openly discriminate against these same groups, it sends a mixed message to their communities. These messages can be avoided with proper research.