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CRA Reform: Impact on Lending and Investing in Underserved Communities

May 14, 3:00 pm EDT - 4:30 pm EDT

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Join NCRC for a discussion on how the proposed changes to Community Reinvestment Act (CRA) will impact the most underserved communities.

CRA has significantly increased bank lending and investing in low- and moderate-income communities for decades. Despite the COVID-19 crisis, the Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC) are moving ahead with the process of updating their CRA regulations and exams. How should they update CRA to preserve the progress while adapting CRA to changes in the bank industry? How should CRA be updated in response to our current crisis? How will they ensure that no one is left behind in the long recovery ahead? How do we maintain and increase public input?

This session will explore the OCC and FDIC proposal, as well as reform proposals from the Federal Reserve Board. Come hear an important discussion among banks, community organizations and regulators.



Josh Silver, NCRC


Stephen Cross – Alavarez and Marsal

Jaime Weisberg – Association for Neighborhood and Housing Development

Jeff Mosley – Coalition Homes, Inc.

Reymundo Ocañas – BBVA

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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

Complete the form to download the full report: