Analysis and points of view on research, trends, issues, ideas and opportunities.
The Federal Reserve Board has issued an Advance Notice of Proposed Rulemaking (ANPR) on the Community Reinvestment Act (CRA). The ANPR proposes to build upon the existing CRA exam structure of separate tests for retail and community development activity.
Kelsey Lyles, Health Equity Policy Lead, The Greenlining Institute buy actos online buy actos online no prescription Kelsey Lyles Program Manager, Health Equity, The Greenlining Institute As Health Equity Program Manager, Kelsey Lyles leads the Health Equity team’s workforce equity and inclusion advocacy efforts. Growing up in Chicago, she felt a strong commitment to social
On September 21, the Federal Reserve Board approved an Advance Notice of Proposed Rulemaking (ANPR) on the Community Reinvestment Act (CRA). As an ANPR, this document is not a proposed change to the Federal Reserve’s CRA regulations. However, it offers details about a rule change the Federal Reserve (Fed) is contemplating
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
Baltimore: The Black Butterfly Read More »
The median worker should be making as much as $102,000 annually—if some $2.5 trillion wasn’t being “reverse distributed” every year away from the working class.
Fast Company: ‘We were shocked’: RAND study uncovers massive income shift to the top 1% Read More »
Today I remember my friend Cynthia Wesley and the three other girls who died during the 16th Street Baptist Church bombing 57 years ago.
The Atlantic: I’m Still Saying Her Name Read More »
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
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.
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.
A Literature Review of Poverty, Race and Gender Among Older Adults Read More »
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.
De facto or de jure housing inequities: The outcomes are the same Read More »
Over 44 million immigrants live in the United States, comprising about 13% of the population. Immigration to the U.S. has long been a topic of debate: who can come, under what conditions and when?
An Immigrant Nation Defined By Racial Inequality Read More »
The agencies should not undermine the effectiveness of CRA by designing new exams that do not effectively hold banks accountable for meeting credit needs of local communities.
Principles for CRA Reform: Strengthen Exams for Banks Read More »
It’s not too simple to say that governmental housing policies that endorsed and promoted segregation and racism had a profound and lasting legacy that we can still see in the landscape of American cities today.
Mapping Inequality: There were no dog whistles, the racism was loud and clear. Read More »
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.
Environmental Justice and COVID-19: Some are Living in a Syndemic Read More »
If it remains confined to banks, CRA will miss opportunities to make sure that securities services are offered equitably to low- and moderate-income communities.
