Analysis and points of view on research, trends, issues, ideas and opportunities.
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 […]
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
Warren housing bill presents a clear choice on CRA Read More »
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
Charting the future course of Age-Friendly Banking Read More »
The idea behind the one ratio is that it will immediately signal to banks whether they are in compliance with CRA and can reasonably expect to pass their next CRA exam.
The one big CRA fight over the one ratio Read More »
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 online pharmacy order tamiflu online with best prices today in the USA by North Carolina historian Pamela Grundy,
An old American struggle, always new Read More »
online pharmacy cellcept no prescription pharmacy 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
Advocacy for social change: Coalitions and the organizations that lead them Read More »
History matters and memorials are important. But the National Memorial for Peace and Justice is an unfinished story.
White place. Wrong type. Read More »
Quicken Loans overtakes Wells Fargo as the largest loan originator.
2017 HMDA Overview: Non-banks dominated home lending Read More »
Today, and every day, we honor Martin Luther King Jr.’s courage and vision by standing unafraid and fully committed to a more racially and economically just America.
Fifty years after the death of Reverend Dr. Martin Luther King Jr. Read More »
The study shows how policies and practices that influence access to capital and credit can have a lasting impact on housing patterns, the economic health of neighborhoods and who accumulates wealth.
How 1930s discrimination shaped inequality in today’s cities Read More »
In its classically quiet fashion, the Government Accountability Office (GAO) recently released a significant study, asking the Treasury Department to improve data on CRA exams.
Data Drives the Movement for Economic Justice, and Bank Deposits Read More »
Congress should be asking how to expand reporting requirements for all lenders, not end them. We need bipartisan support to end discrimination in lending, not to hide the data that exposes it.
HMDA is the key to preventing predatory behavior, not the cause of it, so how can an economics professor from George Washington University claim that HMDA can facilitate large-scale identity theft?
The president’s 2019 budget proposal presents a profoundly troubling vision for our nation’s working class.
How many cuts does it take to kill the middle class? Read More »
The affordable-housing mandates at Fannie Mae and Freddie Mac were not the primary cause of the 2007-09 recession.
Housing policy didn’t cause the 2007 crash Read More »
