Views

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

Baltimore: The Black Butterfly

By / / Views / 9 minutes of reading

Marceline White, Executive Director, Maryland Consumer Rights Coalition Marceline White Executive Director, Maryland Consumer Rights Coalition Marceline serves as the Executive Director of the Maryland Consumer Rights Coalition where she leads the coalition of 8,500 supporters in promoting economic justice and financial inclusion throughout Maryland. Marceline currently co-chairs the Consumer Protection Committee of Attorney General […]

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COVID-19 Disparities in Rochester, NY: The Legacy of Redlining in the City of Frederick Douglass and Susan B. Anthony

By / / Views / 12 minutes of reading

T     Barbara Van Kerkhove, Ph.D. Researcher/Policy Analyst, Empire Justice Center Barbara Van Kerkhove is a researcher/policy analyst in Empire Justice Center’s Rochester, New York, office where she does research and advocacy on a variety of consumer finance and economic justice issues. She is the principal author of “Too Big to Fail…Too Poor to

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NCRC Initial Analysis of the CFPB SBREFA Panel Outline: A Step in the Right Direction but Improvements Sought

By / / Views / 19 minutes of reading

The CFPB’s initial proposals for the small business lending data take some steps in the right direction such as including a broad range of institutions from banks to non-bank financial technology companies that would be required to report data. However, some proposals would keep lending activity in the dark such as the proposal to not report Merchant Cash Advances, a form of credit that is higher cost and has been subject to abuses. 

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A Literature Review of Poverty, Race and Gender Among Older Adults

By / / Views / 10 minutes of reading

An individual’s well-being and long-term financial sustainability is derived from the ability to build and acquire assets, such as savings, homes, cars or businesses. Around 55% of Americans live in asset-poverty which means they lack sufficient wealth to sustain a livelihood above the poverty level for at least 3 months.

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De facto or de jure housing inequities: The outcomes are the same

By / / Views / 7 minutes of reading

As the COVID-19 crisis unfolded in St. Louis, the maps of the infections looked very familiar to those of us who work to promote integrated and inclusive communities. Unsurprisingly, it was having a greater toll on the city’s majority-Black neighborhoods, where maps already showed elevated rates of asthma and lead poisoning.

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Environmental Justice and COVID-19: Some are Living in a Syndemic

By / / Views / 14 minutes of reading

Like most American cities, Memphis has a long history of racist housing and environmental policies. As this report from NCRC and its university partners shows, this history has real world impacts today, resulting in worse health outcomes for Black neighborhoods, shorter lifespans, poorer overall health and greater risk of several complications due to COVID-19. 

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Why the Community Reinvestment Act should be expanded broadly across the financial industry

By / / Views / 11 minutes of reading

An antidote to discrimination, the Community Reinvestment Act says banks have an affirmative obligation to serve all communities. It’s time to extend that obligation to all of the financial sector, including insurance, securities and non-bank mortgage lenders.

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