Miami Herald: PPP loans were made to be forgiven. In heavily Black areas like South Florida, many aren’t

Miami Herald, March 24, 2022, PPP loans were made to be forgiven. In heavily Black areas like South Florida, many aren’t

Researchers at the National Community Reinvestment Coalition, which advocates for better financial and housing access for minorities and underserved groups, sent white and Black borrowers with similar financial profiles to banks to inquire about short-term loans for their small businesses, including PPP loans, in April and May of 2020. White prospective borrowers were more often encouraged to apply for a loan and consider the bank’s other financial offerings. Women were offered less information about the PPP program than men.

“It was blatant discrimination,” said Anneliese Lederer, director of fair lending and consumer protection at the NCRC.


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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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