Josh Silver

Senior Advisor, Policy
jsilver@ncrc.org  202-464-2733

Josh Silver is Senior Advisor at NCRC and has more than 25 years of experience in the housing and community development field. He produces white papers on the Community Reinvestment Act (CRA) and fair lending policy and issues. He also serves as an expert and provides advice and resources internally and externally on affordable housing and community reinvestment.

Josh came back to NCRC after serving as a Development Manager engaged in fundraising and research at Manna, Inc., a housing nonprofit developer and counseling agency serving the District of Columbia. He previously served as Vice President of Research and Policy at NCRC for 19 years. In that capacity, he developed NCRC’s policy positions, produced various research studies, engaged in proposal writing and fundraising, and supervised a staff of research and policy analysts. Josh has written NCRC testimony submitted to Congress on topics including financial modernization, predatory lending, and the effectiveness of the CRA. He has also written numerous comment letters to federal banking agencies on subjects ranging from the merger application process and the content and accuracy of home and small business data. Prior to NCRC, he worked at the Urban Institute, where he specialized in housing market analysis and program evaluation.

Josh holds a Master’s degree in public affairs from the Lyndon Johnson School of Public Affairs at the University of Texas in Austin and earned a Bachelor’s degree in economics from Columbia University in New York City.  He lives in Bethesda, Maryland with his wife and daughter.

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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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