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

Robust data on home lending essential to fair and equitable treatment of borrowers

By / / Views / 10 minutes of reading

In order for the Consumer Financial Protection Bureau (CFPB) to protect millions of consumers from unsound lending, the agency must implement the public disclosure of the enhanced Home Mortgage Disclosure Act (HMDA) data in a rigorous manner that provides comprehensive and public information about loan terms and conditions. NCRC has a mantra about the importance […]

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Audio: What is going on with the Community Reinvestment Act?

By / / Views / 1 minute of reading

Listen to this discussion hosted by NCRC’s Senior Civil Rights Investigator Rose Ramirez, featuring Community Reinvestment Act Manager Kevin Hill and Senior Community Reinvestment Act Advisor Josh Silver on the Advance Notice of Proposed Rulemaking regarding CRA and what it means to communities throughout the country.

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Long live CRA!

By / / Views / 2 minutes of reading

Today marks the 41st anniversary of the Community Reinvestment Act (CRA), a law that was supposed to end discrimination that was once common in America’s housing and banking markets. Although not as widely known as other iconic releases of 1977 including the very first Star Wars movie, Fleetwood Mac’s album Rumours, or the Apple II

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Warren housing bill presents a clear choice on CRA

By / / Views / 8 minutes of reading

As concerned citizens and practitioners in the affordable housing and community development fields, we now have a clear choice regarding the direction of the Community Reinvestment Act (CRA). Senator Elizabeth Warren and the Office of the Comptroller of the Currency (OCC) (under the leadership of Comptroller Joseph Otting) have each offered contrasting visions for the

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Charting the future course of Age-Friendly Banking

By / / Views / 16 minutes of reading

Living Longer: We Need Age-Friendly Banking Like most institutions, the American banking system must evolve to meet current needs.  Although we all age, and although people on average are living longer and healthier lives, our society has yet to adjust for this substantial demographic shift.  Age-Friendly Banking is a set of recommendations that NCRC has

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An old American struggle, always new

By / / Views / 7 minutes of reading

My daughter will be attending college near Charlotte, North Carolina, in the fall. As part of her orientation, the college asks all incoming freshmen to read a common book. This year, the book was Color and Character by North Carolina historian Pamela Grundy, a story about the struggle for integration and educational equity in Charlotte, North

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Advocacy for social change: Coalitions and the organizations that lead them

By / / Views / 5 minutes of reading

Herbert J. Rubin’s new book, Advocacy for Social Change, is an important primer for those who seek to promote social change through national organizations. Many books discuss the corrosive effect of money in politics and lobbying organizations, but few are devoted to how those representing the have-nots organize on a national level to fight for laws

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