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NCRC Files Comments at Joint Public Hearing on CRA (July 19, 2010)


The Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), The Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS) (collectively “the agencies”) are holding a series of joint public hearings in four cities to receive public comments as they consider updating their regulations governing procedures for assessing a financial institution’s performance under the Community Reinvestment Act (CRA).

Link to Webcast

Agenda – August 12, 2010

Chicago, Illinois

Joint Public Hearing, August 12, 2010

Federal Reserve Bank of Chicago, Chicago, Illinois

9:00 a.m. – 9:30 a.m. Welcome and Opening Remarks

  • Thomas A. Barnes, Deputy Director, Examinations, Supervision and Consumer Protection, Office of Thrift Supervision
  • Elizabeth A. Duke, Governor, Board of Governors of the Federal Reserve System
  • Martin J. Gruenberg, Vice Chairman, Federal Deposit Insurance Corporation
  • Barry Wides, Deputy Comptroller for Community Affairs, Comptroller of the Currency

9:30 a.m. – 10:45 a.m. Panel One: Geographic Considerations

  • Thomas FitzGibbon Jr., Managing Director, First Michigan Bank
  • Lela Wingard Hughes, Senior Vice President, Community Development and CRA Management, JP Morgan Chase
  • Mark Pinsky, President and Chief Executive Officer, Opportunity Finance Network
  • Dory Rand, President, Woodstock Institute
  • Ellen Seidman, Former Director, Office of Thrift Supervision

10:45 a.m. – 11:00 a.m. Break

11:00 a.m. – 12:15 p.m. Panel Two: Affiliate Activities/Performance Test

  • Dr. Rev. Eugene Barnes, Board Chair, National People’s Action
  • Christine Freund, Vice President, First Eagle Bank
  • Dan Immergluck, Associate Professor, Georgia Institute of Technology
  • Eugene Ludwig, Chief Executive Officer, Promontory Financial Group
  • Mike Mantle, Senior Advisor, Morgan Stanley

12:15 p.m. – 1:30 p.m. Lunch

1:30 p.m. – 2:45 p.m. Panel Three: Other Regional and Emerging Issues

  • Frank Ford, Senior Vice President, Research and Development, Neighborhood Progress, Inc.
  • Ignatius MacLellan, Vice President, External Affairs, Northern New England Housing Investment Fund
  • Warren McLean, Vice President of Development, Community Reinvestment Fund
  • Vickie Tassan, Community Reinvestment Act Executive, Ally Bank
  • Lou Tisler, President and Executive Director, National NeighborWorks Association and Neighborhood Housing Services of Greater Cleveland
  • Lez Trujillo, National Field Director, Affordable Housing Centers of America

2:45 p.m. – 3:00 p.m. Break

3:00 p.m. – 4:30 p.m. Individual Presentations:

  • Bobbi Ball, Partners in Community Building, Inc.
  • Paul Bellamy, Prevention Program Administrator, Cuyahoga County
  • Clifton Berry, Berry Advisors, LLC
  • James Breymaier, Oak Park Regional Housing Center
  • Robin Coffey, Neighborhood Housing Services of Chicago
  • Rev. Charlotte Dotts, Illinois People’s Action
  • Linda Gessaman, Homeless United for Change
  • Karen Harris, Sargent Shriver National Center on Poverty Law
  • Calvin Holmes, Chicago Community Loan Fund
  • Jean Ishmon, Northwest Indiana Reinvestment Alliance
  • Robert Jackimowicz, Cleveland City Council
  • Kevin Jackson, Chicago Rehab Network
  • Gerald Johnson, First National Bank of Grand Ridge
  • Trinita Logue, IFF
  • Otis Monroe, The Monroe Foundation
  • Alejandro Orozco, Bankers Trust
  • Laura Page, Illinois State Treasurer’s Office
  • Rev. Tony Pierce, Peoria Ministers Economic Development Organization
  • Jack Porter, Illinois People;s Action
  • Hedy Ratner, Women’s Business Development Center
  • Elisabeth Risch, Metropolitan St. Louis Equal Housing Opportunity Center
  • Gail Schechter, Interfaith Housing Center of the Northern Suburbs
  • Jeremy Smith, Service Employees International Union (SEIU)
  • Ken Thomas, Wharton School, University of Pennsylvania
  • Tom Tincher, Community Development and Service Institute
  • Romona Taylor Williams, Metro St. Louis Coalition for Inclusion and Equity

 

BOLD=NCRC Coalition Member

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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: