The Center for Civil Rights

NCRC’s mission is to increase fair & equal access to credit, capital and banking services/products because discrimination is illegal, unjust and detrimental to the economic growth of underserved communities in the US & around the world.

NCRC seeks to support, create and implement long-term solutions which includes providing tools and strategies for building community and individual economic well-being.


Chief: Stella Adams
Director of Fair Housing: Tracy McCracken
Director of Fair Lending: Anneliese Lederer

The Center for Civil Rights (CFCR) provides technical assistance to NCRC’s members in urban, suburban and rural communities to promote economic mobility, to ensure fair housing for working families, and to ensure fair lending for women- and minority-owned businesses throughout our nation. The CFCR program also convenes, supports and pursues workshops, conferences, investigations of civil rights complaints, systemic “testing” of financial and real estate entities, and compliance initiatives that encourage “best practices.”

The Center for Civil Rights (CFCR) advances fair lending and fair housing practices through multifaceted programs, including: private enforcement; education and outreach; fair housing planning; comprehensive voluntary compliance services; and building partnerships among communities, real estate providers, financial institutions and other market players.


Related Items
A Critical Step for Fair Housing and Mobility: HUD’s Proposed Small Area Fair Market Rent Rule (Webinar)

NCRC Reacts to Supreme Court Decision Upholding Use of Disparate Impact Analysis in Fair Housing

Joint Statement on the Community Reinvestment Act

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Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

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