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		<loc>https://ncrc.org/lending-disparities-by-congressional-district/</loc>
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		<loc>https://ncrc.org/income-is-no-shield-part-iii-062009/</loc>
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		<lastmod>2022-03-08T22:07:27+00:00</lastmod>
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		<lastmod>2022-03-08T22:06:50+00:00</lastmod>
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		<lastmod>2022-03-08T22:06:14+00:00</lastmod>
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		<lastmod>2022-03-08T22:05:41+00:00</lastmod>
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		<lastmod>2022-03-08T22:05:01+00:00</lastmod>
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		<lastmod>2022-03-08T22:04:25+00:00</lastmod>
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		<lastmod>2022-03-08T22:03:52+00:00</lastmod>
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		<lastmod>2022-03-08T22:03:14+00:00</lastmod>
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		<loc>https://ncrc.org/white-paper-long-term-social-impacts-financial-costs-of-foreclosure-on-families-and-communities-of-color-2/</loc>
		<lastmod>2022-03-08T22:02:31+00:00</lastmod>
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		<loc>https://ncrc.org/cra-promotes-safe-and-affordable-lending-an-ncrc-refutation-of-another-baseless-attack-on-cra/</loc>
		<lastmod>2022-03-08T21:58:29+00:00</lastmod>
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		<loc>https://ncrc.org/ncrc-analysis-of-bank-account-complaints-by-zip-code/</loc>
		<lastmod>2022-03-08T21:53:21+00:00</lastmod>
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		<loc>https://ncrc.org/a-new-dawn-age-friendly-banking/</loc>
		<lastmod>2022-03-08T21:52:45+00:00</lastmod>
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		<loc>https://ncrc.org/%ef%bb%bfncrc-lending-analysis-report-for-washington-dc-2/</loc>
		<lastmod>2022-03-08T21:52:03+00:00</lastmod>
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		<loc>https://ncrc.org/access-to-capital-and-credit-in-appalachia-and-the-impact-of-the-financial-crisis-and-recession-on-commercial-lending-and-finance-in-the-region/</loc>
		<lastmod>2022-03-08T21:51:23+00:00</lastmod>
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		<loc>https://ncrc.org/empowering-financial-service-providers-to-help/</loc>
		<lastmod>2022-03-08T21:50:37+00:00</lastmod>
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		<loc>https://ncrc.org/recommendations-to-cfpb-implementing-section-1071-dodd-frank/</loc>
		<lastmod>2022-03-08T21:49:47+00:00</lastmod>
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		<loc>https://ncrc.org/ncrc-analysis-small-business-lending-deserts-and-oases/</loc>
		<lastmod>2022-03-08T21:49:05+00:00</lastmod>
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		<loc>https://ncrc.org/ncrc-q-a-issue-brief/</loc>
		<lastmod>2022-03-08T21:48:26+00:00</lastmod>
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		<loc>https://ncrc.org/cra-grade-inflation-infographic/</loc>
		<lastmod>2022-03-08T21:47:29+00:00</lastmod>
		<image:image>
			<image:loc>http://ncrc.org/wp-content/uploads/2015/05/cra-web-thumb.jpg</image:loc>
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		<loc>https://ncrc.org/protecting-duties-to-serve-and-responsible-next-steps-for-reforming-the-secondary-mortgage-market/</loc>
		<lastmod>2022-03-08T21:46:41+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2015/11/protecting-duties-to-serve-thumb.jpg</image:loc>
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		<loc>https://ncrc.org/home-mortgage-and-small-business-lending-in-baltimore-and-surrounding-areas/</loc>
		<lastmod>2022-03-08T21:45:17+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2015/11/baltimore-lending-analysis-thumb.jpg</image:loc>
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	</url>
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		<loc>https://ncrc.org/performance-evaluation-facilitating-public-input-on-cra-via-federal-agency-websites/</loc>
		<lastmod>2022-03-08T21:44:29+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2016/02/perevacrafedwebsites_web2.jpg</image:loc>
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		<loc>https://ncrc.org/2016-ncrc-policy-agenda/</loc>
		<lastmod>2022-03-08T21:43:39+00:00</lastmod>
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		<loc>https://ncrc.org/cra-performance-context-paper/</loc>
		<lastmod>2022-03-08T21:42:51+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2016/04/crapermwhitepaperweb2.jpg</image:loc>
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		<loc>https://ncrc.org/the-community-reinvestment-act-vital-for-neighborhoods-the-country-and-the-economy/</loc>
		<lastmod>2022-03-08T21:42:04+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2016/06/craaffirmcover2.jpg</image:loc>
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		<loc>https://ncrc.org/home-mortgage-lending-in-st-louis-milwaukee-minneapolis-and-surrounding-areas/</loc>
		<lastmod>2022-03-08T21:41:11+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2016/07/midwest%203%20city%20report.jpg</image:loc>
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		<loc>https://ncrc.org/how-cra-can-promote-integration-and-prevent-displacement-in-gentrifying-neighborhoods/</loc>
		<lastmod>2022-03-08T21:40:16+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2016/12/intergration.jpg</image:loc>
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		<loc>https://ncrc.org/2017-policy-agenda/</loc>
		<lastmod>2022-03-08T21:39:25+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2017/03/pa-2017-thumb.jpg</image:loc>
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	</url>
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		<loc>https://ncrc.org/the-community-reinvestment-act-and-geography/</loc>
		<lastmod>2022-03-08T21:38:34+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2017/05/cra_geography_paper_050417.jpg</image:loc>
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		<loc>https://ncrc.org/bank-branch-closures-from-2008-2016-unequal-impact-in-americas-heartland/</loc>
		<lastmod>2022-03-08T21:37:41+00:00</lastmod>
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			<image:loc>http://ncrc.org/wp-content/uploads/2017/05/desert-thumb.jpg</image:loc>
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		<loc>https://ncrc.org/intermediate-small-banks-forgotten-significant-resource-affordable-housing-community-development/</loc>
		<lastmod>2022-03-08T21:32:58+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2017/11/intermediate-banks-cover.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/study-documents-discrimination-black-entrepreneurs/</loc>
		<lastmod>2022-03-08T21:32:10+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2017/11/Screen-Shot-2017-11-17-at-11.14.32-AM.png</image:loc>
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		<loc>https://ncrc.org/mortgage-data-reveal-gentrification-california/</loc>
		<lastmod>2022-03-08T21:31:21+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2017/12/Screen-Shot-2017-12-12-at-1.16.13-PM.png</image:loc>
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	<url>
		<loc>https://ncrc.org/holc/</loc>
		<lastmod>2022-03-08T21:30:27+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2018/02/HOLC-Scan2.jpg</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/02/HOLC-Cities.jpg</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/03/HOLC-Grades-Income-NEW.jpg</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/03/HOLC-Grades-Race-NEW.jpg</image:loc>
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	</url>
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		<loc>https://ncrc.org/reversing-the-red-lines-disinvestment-in-americas-cities/</loc>
		<lastmod>2022-03-08T21:29:33+00:00</lastmod>
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	<url>
		<loc>https://ncrc.org/2017-hmda-overview/</loc>
		<lastmod>2022-03-08T21:28:37+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2018/05/HMDA_slide.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/the-importance-of-cra-assessment-areas-and-bank-branches/</loc>
		<lastmod>2022-03-08T21:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/opportunity-zones-will-the-money-flow-in-your-town/</loc>
		<lastmod>2022-03-08T21:26:32+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2018/06/flat-map-1.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/ncrc-forecast-weakening-the-community-reinvestment-act-would-reduce-lending-by-hundreds-of-billions-of-dollars/</loc>
		<lastmod>2022-03-08T21:25:42+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/CRA-loss-FINAL-5b.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/what-the-community-reinvestment-act-means-to-lending-in-philadelphia/</loc>
		<lastmod>2022-03-08T21:24:40+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/Changes-in-CRA-map.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/CRA-lenders-line-sm.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/minority-entrepreneurship-in-philadelphia/</loc>
		<lastmod>2022-03-08T21:23:50+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/Business-Ownership-sm.jpg</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/Race-sm.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/Pie-chart2.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/philadelphia-and-business-disinvestment/</loc>
		<lastmod>2022-03-08T21:22:52+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/PHILLY_HOLC-2.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/HOLC-rating-SM.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/philadelphia-and-the-rapid-gentrification-of-downtown/</loc>
		<lastmod>2022-03-08T21:21:17+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/Gentrification-and-Displacement-map-lg.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/Gentrification-and-Displacement-chart-sm.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/new-federal-reserve-report-supports-ncrc-redlining-study/</loc>
		<lastmod>2022-03-08T21:20:05+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2018/09/PHILLY_HOLC-2.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/ncrc-community-development-fund-named-to-fast-companys-annual-list-of-the-worlds-50-most-innovative-companies-for-2022/</loc>
		<lastmod>2022-03-08T20:30:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-remarks-to-federal-regulators-on-us-bank-merger/</loc>
		<lastmod>2022-03-08T20:27:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/these-are-the-15-worst-cities-for-black-americans/</loc>
		<lastmod>2022-03-08T19:59:48+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/11/Home-Mortage-Lending-Milwaukee.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/segregation-and-redlining-continue-to-drive-down-home-values-in-2018/</loc>
		<lastmod>2022-03-08T19:58:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/canada-is-having-a-housing-crash-that-should-serve-as-a-warning-to-the-us/</loc>
		<lastmod>2022-03-08T19:57:09+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2019/01/Canadian-Dept-e.png</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/study-gentrification-and-cultural-displacement-most-intense-in-americas-largest-cities-and-absent-from-many-others/</loc>
		<lastmod>2022-03-08T19:56:14+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/02/DC-call-out-v2.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/02/All-Table2.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/02/Phila-call-out-v2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/02/Richmond-call-out-v2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/02/Portland-call-out-v2.png</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/the-cfpbs-consumer-complaint-database-tells-a-story-about-our-economy-we-need-to-hear/</loc>
		<lastmod>2022-03-08T19:50:36+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/12/number-of-complaints-new-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/12/Both-Complaints-and-Consumer-Satisfaction-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2018/12/Both-Complaints-and-Consumer-Satisfaction-1.png</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/home-lending-to-lmi-borrowers-and-communities-by-banks-compared-to-non-banks/</loc>
		<lastmod>2022-03-08T19:49:36+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/04/01.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/04/02-2.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/04/03.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/04/04.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/04/pg5-5fix.png</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/american-neighborhood-change-in-the-21st-century/</loc>
		<lastmod>2022-03-08T19:48:38+00:00</lastmod>
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		<lastmod>2022-03-08T19:46:33+00:00</lastmod>
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		<lastmod>2022-03-08T19:45:32+00:00</lastmod>
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		<lastmod>2022-03-08T19:39:40+00:00</lastmod>
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		<lastmod>2022-03-08T19:38:41+00:00</lastmod>
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		<lastmod>2022-03-08T19:37:31+00:00</lastmod>
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		<loc>https://ncrc.org/2018-hmda-overview-banks-fell-further-behind-non-banks-dominated-home-lending/</loc>
		<lastmod>2022-03-08T19:36:21+00:00</lastmod>
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		<loc>https://ncrc.org/tests-show-inferior-treatment-of-minority-business-owners-at-banks-and-data-shows-a-steep-decline-in-government-backed-lending-to-black-entrepreneurs/</loc>
		<lastmod>2022-03-08T19:29:04+00:00</lastmod>
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		<loc>https://ncrc.org/ncrcs-hmda-2018-methodology-how-to-calculate-race-and-ethnicity/</loc>
		<lastmod>2022-03-08T19:27:44+00:00</lastmod>
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		<loc>https://ncrc.org/the-90-billion-bill-we-pay-each-year-for-non-bank-mortgage-lenders/</loc>
		<lastmod>2022-03-08T19:26:46+00:00</lastmod>
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		<lastmod>2022-03-08T19:25:47+00:00</lastmod>
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		<loc>https://ncrc.org/racial-wealth-snapshot-latino-americans-3/</loc>
		<lastmod>2022-03-08T19:24:50+00:00</lastmod>
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		<loc>https://ncrc.org/latinos-the-racial-wealth-divide-and-rebuilding-the-american-middle-class/</loc>
		<lastmod>2022-03-08T19:23:54+00:00</lastmod>
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		<lastmod>2022-03-08T19:13:10+00:00</lastmod>
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		<loc>https://ncrc.org/for-the-trump-administration-affordable-housing-means-middle-income-housing-for-counties-with-43-million-people/</loc>
		<lastmod>2022-03-08T19:12:02+00:00</lastmod>
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		<lastmod>2022-03-08T19:07:07+00:00</lastmod>
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		<lastmod>2022-03-08T19:06:06+00:00</lastmod>
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		<lastmod>2022-03-08T19:05:10+00:00</lastmod>
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		<lastmod>2022-03-08T19:04:03+00:00</lastmod>
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		<loc>https://ncrc.org/the-cra-evaluation-measures-would-allow-banks-to-relax-their-retail-lending-to-lmi-borrowers-and-communities/</loc>
		<lastmod>2022-03-08T19:03:07+00:00</lastmod>
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		<lastmod>2022-03-08T19:01:53+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/p3-4-1.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/p5.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/03.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/04.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/05.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/06.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/07.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/08.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/09.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/03/10.png</image:loc>
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		<loc>https://ncrc.org/covid-19-hits-black-and-hispanic-businesses-hardest-of-all/</loc>
		<lastmod>2022-03-08T19:00:41+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/04/Business-ownership-by-race.jpg</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/cfpb-provides-advice-guidance-on-covid-19-resources/</loc>
		<lastmod>2022-03-08T18:59:24+00:00</lastmod>
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	<url>
		<loc>https://ncrc.org/cfpb-fhfa-establish-new-borrower-protection-program-to-respond-to-covid-19-pandemic/</loc>
		<lastmod>2022-03-08T18:58:18+00:00</lastmod>
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		<loc>https://ncrc.org/mortgages-and-older-adults-after-covid-19/</loc>
		<lastmod>2022-03-08T18:57:17+00:00</lastmod>
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		<loc>https://ncrc.org/summary-fact-sheet-on-the-occs-final-cra-rule/</loc>
		<lastmod>2022-03-08T18:51:24+00:00</lastmod>
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		<loc>https://ncrc.org/limiting-interest-rate-and-rate-spread-outliers-in-hmda-data/</loc>
		<lastmod>2022-03-08T18:50:21+00:00</lastmod>
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		<loc>https://ncrc.org/do-cra-ratings-reflect-differences-in-performance-an-examination-using-federal-reserve-data/</loc>
		<lastmod>2022-03-08T18:49:15+00:00</lastmod>
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		<lastmod>2022-03-08T18:48:12+00:00</lastmod>
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		<lastmod>2022-03-08T18:47:16+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/LenderType.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/Tables-v02b-11.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/Tables-v02b-12.png</image:loc>
		</image:image>
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	<url>
		<loc>https://ncrc.org/preliminary-analysis-of-2019-hdma-mortgage-lending-data/</loc>
		<lastmod>2022-03-08T18:44:05+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1-8c.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1-3.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1-4.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1-5.png</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1-6.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/06/All-Tables-v1b-7c.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/a-new-approach-to-bank-ratings-would-generate-billions-more-for-neighborhoods-reeling-from-the-pandemic/</loc>
		<lastmod>2022-03-08T18:42:12+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/3-Tables-v1-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Table5.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Table4b.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/3-Tables-v1-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/3-Tables-v1-3.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/government-data-on-ppp-loans-is-mostly-worthless-but-its-not-too-late-to-fix-it/</loc>
		<lastmod>2022-03-08T18:39:09+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/PPP-Tables-4-4.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/PPP-Tables-4-3-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-proposal-for-underserved-tracts-would-increase-lending-in-communities-of-color-by-billions-of-dollars/</loc>
		<lastmod>2022-03-08T18:37:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/mortgage-lending-in-the-asian-american-and-pacific-islander-community/</loc>
		<lastmod>2022-03-08T18:35:00+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-3.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-4.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-5.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-6.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-7.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-8.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-9.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-10.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-11.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/07/Tables-v2-FINAL-12.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-paycheck-protection-plan-preliminary-analysis/</loc>
		<lastmod>2022-03-08T18:32:19+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/12/Geo-Table-425px.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/massachusetts-cra-for-mortgage-companies-a-good-starting-point-for-federal-policy/</loc>
		<lastmod>2022-03-08T18:28:19+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-2b.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-3.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Figure-1-625px.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Figure-2-625px-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-4-800px.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-5-800px.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-6-800px.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-7-800px.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Tables-v1-8-420px.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/in-philadelphia-over-21500-evictions-were-avoided-during-the-pandemic-mostly-in-black-and-hispanic-communities-will-evictions-soar-as-the-moratorium-ends/</loc>
		<lastmod>2022-03-08T18:26:03+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Eviction-Risk-in-Philadelphia-TABLES-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Eviction-Risk-in-Philadelphia-MAP-1024x826.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/fair-lending-tool-webinar/</loc>
		<lastmod>2022-03-08T18:21:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/whites-and-the-racial-wealth-divide-snapshot/</loc>
		<lastmod>2022-03-08T18:00:23+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/07/Racial-Wealth-Snapshot_White-FINAL-v3-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/racial-wealth-snapshot-latino-americans/</loc>
		<lastmod>2022-03-08T17:59:22+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2021/09/Latino-Wealth-Snapshot-v3.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/latino-housing-trends-during-covid-19/</loc>
		<lastmod>2022-03-08T17:55:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/mayor-woodfin-to-present-keys-to-first-homeowners-in-historic-birmingham-neighborhood/</loc>
		<lastmod>2022-03-03T19:48:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/older-adults-and-mortgage-lending/</loc>
		<lastmod>2022-03-02T20:11:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/advocacy-groups-remind-bank-regulators-of-the-urgent-need-for-stronger-cra-rules-and-tougher-enforcement-on-lending-equity-and-bank-mergers/</loc>
		<lastmod>2022-03-01T20:01:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/position-paper-on-cra-reform/</loc>
		<lastmod>2022-03-01T19:52:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-fact-sheet-three-bills-would-significantly-weaken-section-1071-small-business-loan-disclosures/</loc>
		<lastmod>2022-02-25T15:26:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/usa-today-iowas-only-black-owned-bank-would-combat-discrimination-increase-equity/</loc>
		<lastmod>2022-02-25T15:24:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/forbes-sba-offers-increased-assistance-to-black-female-business-owners/</loc>
		<lastmod>2022-02-25T15:24:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/american-banker-wells-fargo-sued-for-discrimination-against-black-borrowers/</loc>
		<lastmod>2022-02-25T15:22:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-wall-street-journal-which-banks-lead-the-way-in-innovation/</loc>
		<lastmod>2022-02-25T15:22:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-lack-of-credit-has-been-a-huge-obstacle-to-black-home-buyers-now-some-lenders-are-trying-to-fix-that/</loc>
		<lastmod>2022-02-25T15:21:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/cnn-dojs-interest-in-housing-discrimination-lawsuit-underscores-the-bias-many-black-homeowners-have-faced-for-decades/</loc>
		<lastmod>2022-02-25T15:21:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/tampa-bay-times-rents-reach-insane-levels-across-us-with-no-end-in-sight/</loc>
		<lastmod>2022-02-25T15:21:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/npr-first-time-homebuyers-are-getting-squeezed-out-by-investors/</loc>
		<lastmod>2022-02-25T15:20:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-bad-credit-no-savings-unconventional-maybe-risky-ways-to-buy-a-home/</loc>
		<lastmod>2022-02-25T15:20:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/brookings-the-pandemic-showed-why-social-and-structural-determinants-of-health-matter-now-its-time-for-policymakers-to-act/</loc>
		<lastmod>2022-02-25T15:19:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-blackstone-expands-further-into-rental-housing-in-the-united-states/</loc>
		<lastmod>2022-02-25T15:19:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bloomberg-renting-a-home-is-even-harder-than-buying-one-in-unrelentingly-hot-u-s-market/</loc>
		<lastmod>2022-02-25T15:19:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/abc-news-can-the-va-pull-off-its-monumental-bid-to-end-veteran-homelessness/</loc>
		<lastmod>2022-02-25T15:18:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-survival-mode-inflation-falls-hardest-on-low-income-americans/</loc>
		<lastmod>2022-02-25T15:17:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/washington-post-more-cities-seek-to-redress-widespread-20th-century-destruction-of-black-neighborhoods/</loc>
		<lastmod>2022-02-25T15:16:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/californias-department-of-fair-employment-and-housing-is-suing-elon-musks-company-tesla-over-racism-and-harassment-toward-black-employees-at-teslas-plant-in-fremont-calif-according-to-a-lawsuit/</loc>
		<lastmod>2022-02-25T15:16:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/american-banker-u-s-consumers-stand-to-save-billions-from-banks-overdraft-reforms/</loc>
		<lastmod>2022-02-25T15:15:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/abc-news-new-york-city-looks-to-lower-greenhouse-gas-emissions-by-improving-public-housing/</loc>
		<lastmod>2022-02-25T15:15:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/politico-the-stablecoin-that-launched-a-thousand-regs/</loc>
		<lastmod>2022-02-25T15:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/politico-violent-crime-to-labor-shortages-mayors-say-covids-toll-on-cities-is-far-reaching/</loc>
		<lastmod>2022-02-25T15:14:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/sports-illustrated-sofi-stadium-went-up-and-then-everything-changed/</loc>
		<lastmod>2022-02-25T15:14:11+00:00</lastmod>
	</url>
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