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It’s time for policymakers and mortgage lenders to promote special purpose credit programs to help close the racial wealth gap

By Brad Blower / November 9, 2021 / Views / 4 minutes of reading

Although Congress is likely to include funding for several housing programs in the Build Back Better Act that will provide federal assistance for first-generation homeownership, these federal funds are only one of many steps needed to close the racial wealth gap. One of the most important next steps is for policymakers to encourage mortgage lenders to embrace the use of special purpose credit programs (SPCPs).

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Why we’re logging out of Facebook this week

By Andrew Nachison / November 9, 2021 / Views / 2 minutes of reading

Tomorrow, NCRC will be temporarily dropping out of Facebook and Instagram. We’re going to log out and stay out of both November 10-13 to support a nationwide campaign designed to address some deep problems with Facebook.

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How about a ‘Presumption of “Needs to Improve?’”

By Horacio Mendez / November 4, 2021 / Views / 5 minutes of reading

Prioritizing racial equity is the most important CRA reform the Fed can tackle, said CEO Horacio Mendez at the New York City-based Association for Neighborhood and Housing Development annual conference in October.

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President’s working group calls on Congress to charter all stablecoin issuers

By Adam Rust / November 1, 2021 / Views / 5 minutes of reading

The report pushes policy in the right direction, but it stops short of action. The next step – selling stablecoin regulation to a divided Congress – could be much harder.

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To Preserve Pre-COVID Economic Growth For Latino Americans, Eliminating Racial Economic Inequality Must Be A Priority Of Post-COVID Recovery

By Jamie Buell, Joshua Devine and Dedrick Asante-Muhammad / October 13, 2021 / Views / 3 minutes of reading

In honor of Latino Heritage Month, this is one in a series of NCRC snapshots and infographics exploring racial economic and wealth disparities and the economic conditions of various Latino nationalities. The Latino population has experienced record population growth, accounting for about half of total population growth from 2010 to 2019. This growth corresponds with

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Closing the Racial Wealth Divide: A Plan to Boost Black Homeownership

By Dedrick Asante-Muhammad and Joshua Devine / September 30, 2021 / Views / 7 minutes of reading

This article was co-produced and co-published with the Nonprofit Quarterly. The United States is a country built on the genocide and taking of land of Indigenous peoples, as well as turning enslaved Africans into the private wealth of White citizens. This has created a nation whose riches are highly concentrated among White Americans. Even after landmark

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COVID Creative Placemaking

By Karen Kali / September 23, 2021 / Field Notes, Views / 3 minutes of reading

of this national health crisis will take longer than initially expected. Utilizing art to process loss, explore themes of inequity in health and advocate for a more just society has a much-needed place in the creativity and function of community.

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Business Structure of Small Businesses May Matter More Than We Knew

By Anneliese Lederer / September 15, 2021 / Views / 5 minutes of reading

The Paycheck Protection Program (PPP) was a small business lending program created by Congress in 2020 to provide loans to save businesses from the economic impacts of the COVID-19 pandemic. There were two characteristics of this program that made it unique. First, a PPP loan could convert to a forgivable grant if the business spent

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The FDIC Should Prevent Rakuten From Getting A Banking Charter

By Adam Rust / August 27, 2021 / Views / 12 minutes of reading

If the Federal Deposit Insurance Corporation (FDIC) approves Rakuten Bank America’s application for an industrial loan company (ILC) charter, it would trigger a cascading series of problems that would add risk to our banking system at a time when all federal agencies should focus on reorienting the country toward an equitable recovery and a just

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Language Barriers and Healthcare

By Emily Orminski / August 9, 2021 / Views / 4 minutes of reading

The number of non-English-speaking US residents rises each year, contributing to a growing problem of miscommunication and understanding. While language barriers are faced practically everywhere, they are especially prevalent and can have dangerous and even fatal consequences in the healthcare sector.

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Sleep is a cyclical inequity for those in poverty

By Emily Orminski / August 5, 2021 / Views / 4 minutes of reading

As with many other issues which cause financial and health disparities for those who are low-income, the sleep gap is cyclical, and until it is solved it will continue to wreak havoc on the wellbeing of financially disadvantaged minorities and communities.

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Undoing Structural Racism: The Need for Systemic Change in Housing Policy

By Josh Silver / August 4, 2021 / Views / 13 minutes of reading

A systemic approach is needed if decades of systemic racism in housing is to be successfully combated, according to the authors of a new compendium of essays published by the Poverty and Race Research Action Council (PRRAC).

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Age-Friendly Banking and the First Citizens Bank Community Benefits Agreement

By Emily Orminski / July 21, 2021 / Views / 3 minutes of reading

With a growing elderly population, projected to nearly double from 52 million to 95 million in the next 40 years, age-friendly banking is more important than ever.

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Health Practitioners and Advocates Provide CRA Comments on Fed’s ANPR

By Emily Orminski / July 7, 2021 / Views / 4 minutes of reading

Wealth equity is intrinsically tied to health equity. Hospitals and health systems are stepping into the community development arena more frequently as there are many opportunities for them to partner with banks and other financial institutions to reduce economic disparities that could reduce health disparities.

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Your Zip Code is More Important than Your Genetic Code

By Emily Orminski / June 30, 2021 / Views / 4 minutes of reading

Where you live is one of the most significant components of overall health outcomes and life expectancy. Up to 60% of your health is determined solely by your zip code.

Your Zip Code is More Important than Your Genetic Code Read More »

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