NCRC Applauds HUD Disparate Impact Rule

Washington, DC – Today, the National Community Reinvestment Coalition applauded the U.S. Department of Housing and Urban Development’s (HUD) issuance of a rule on the “Implementation of the Fair Housing Act’s Discriminatory Effects Standard.” NCRC President and CEO John Taylor made the following statement:

“We applaud HUD for formalizing in their rulemaking that the Fair Housing Act can be violated by practices that have a disparate impact. This rule can be easily implemented by the public and private sector and is an important step to ensure equal opportunity for all. HUD should be commended for issuing a transparent rule that clearly reaffirms the established disparate impact doctrine.”

NCRC had previously called upon HUD to establish a standard that would affirm the longstanding precedent on disparate impact both in the legal system and among the regulatory agencies.

Last year at NCRC’s Annual Conference CFPB Director Richard Cordray announced that the Consumer Financial Protection Bureau (CFPB) would apply disparate impact doctrine in enforcement of the Equal Credit Opportunity Act (ECOA).

About the National Community Reinvestment Coalition (NCRC): The National Community Reinvestment Coalition is an association of more than 600 community-based organizations that promote access to basic banking services, including credit and savings, to create and sustain affordable housing, job development, and vibrant communities for America’s working families.

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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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