NCRC Statement on the Release of the Johnson-Crapo Housing Finance Reform Bill

Washington, DC – Today, in reaction to the release of a draft housing finance reform bill by Senate Committee on Banking, Housing, and Urban Affairs Chairman Tim Johnson and Ranking Member Mike Crapo, NCRC President and CEO John Taylor made the following statement:

“While we are encouraged that the Johnson-Crapo draft incorporates elements of a proposal put forth by NCRC, and addresses some of the shortcomings in Corker-Warner, the details of the draft text still raise serious concerns. It is critical that housing finance reform ensures access for all creditworthy borrowers, regardless of their income level, geographical location, or race. In its current form, the details of Johnson-Crapo appear to fall short. The draft bill does not include meaningful enforcement and evaluation criteria to ensure access. We are currently analyzing the draft bill, and will be providing a detailed breakdown of our concerns and recommendations to improve the draft text.”

In August of 2013, NCRC released a white paper on GSE reform called “A Guarantee for the Guarantee: Two Proposals to Ensure that the Future Secondary Mortgage Market Serves All Creditworthy Borrowers.” The paper introduced two policy proposals designed to promote access and ensure that the future secondary mortgage market serves all creditworthy borrowers through conventional lending.

In June of 2013, NCRC released an analysis of the Corker-Warner GSE reform bill and its implications for affordable housing finance.


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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