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		<loc>https://ncrc.org/bloomberg-the-u-s-housing-crisis-is-making-its-way-to-the-heartland/</loc>
		<lastmod>2020-02-07T17:45:55+00:00</lastmod>
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		<loc>https://ncrc.org/the-new-york-times-california-mired-in-a-housing-crisis-rejects-an-effort-to-ease-it/</loc>
		<lastmod>2020-02-07T17:44:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/american-banker-when-a-small-town-loses-its-only-bank/</loc>
		<lastmod>2020-02-07T17:42:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/npr-fico-is-about-to-change-credit-scores-heres-why-it-matters/</loc>
		<lastmod>2020-02-07T17:41:16+00:00</lastmod>
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		<loc>https://ncrc.org/cbs-news-how-98-trillion-of-household-wealth-in-america-is-distributed-its-very-depressing/</loc>
		<lastmod>2020-02-07T17:39:00+00:00</lastmod>
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		<loc>https://ncrc.org/the-washington-post-the-guardian-ends-advertising-from-fossil-fuel-companies-because-of-climate-change/</loc>
		<lastmod>2020-02-07T17:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-crucial-bank-law-softened-under-trump-proposal/</loc>
		<lastmod>2020-02-07T17:33:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/politico-trump-allies-are-handing-out-cash-to-black-voters/</loc>
		<lastmod>2020-02-07T17:29:23+00:00</lastmod>
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		<loc>https://ncrc.org/fortune-why-melinda-gates-is-investing-50-million-to-make-the-next-silicon-valley-starting-in-chicago/</loc>
		<lastmod>2020-02-06T20:25:45+00:00</lastmod>
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	<url>
		<loc>https://ncrc.org/ap-news-advocates-crucial-bank-law-softened-under-trump-proposal/</loc>
		<lastmod>2020-02-06T20:19:03+00:00</lastmod>
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	<url>
		<loc>https://ncrc.org/morning-consult-waters-vows-subpoena-on-occ-community-reinvestment-act-proposal/</loc>
		<lastmod>2020-02-06T20:12:25+00:00</lastmod>
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	<url>
		<loc>https://ncrc.org/curbed-how-trump-is-rolling-back-housing-desegregation-rules-explained/</loc>
		<lastmod>2020-02-06T20:03:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/city-of-toledo-oh-toledo-mayor-wade-kapszukiewicz-released-the-following-statement-today-regarding-proposed-changes-to-the-community-reinvestment-act/</loc>
		<lastmod>2020-02-06T19:44:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-advocate-credit-unions-are-valuable-for-members-communities/</loc>
		<lastmod>2020-02-06T19:37:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-financial-brand-5-reasons-to-think-twice-before-closing-branches/</loc>
		<lastmod>2020-02-06T19:36:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/living-architecture-monitor-does-green-infrastructure-development-have-to-result-in-gentrification/</loc>
		<lastmod>2020-02-06T19:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-trumps-deregulation-push-takes-a-new-aim-a-fed-board-member-is-pushing-back/</loc>
		<lastmod>2020-02-06T19:31:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-hill-cra-modernization-a-once-in-a-generation-opportunity/</loc>
		<lastmod>2020-02-06T19:29:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/axios-tug-of-war-over-how-banks-should-give-back-to-poor-communities/</loc>
		<lastmod>2020-02-06T19:28:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/chicago-tribune-discrimination-against-black-homebuyers-persists-heres-how-one-northwestern-grad-and-housing-expert-wants-to-fix-it/</loc>
		<lastmod>2020-02-06T18:56:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-take-the-quiz-could-you-manage-as-a-poor-american/</loc>
		<lastmod>2020-02-06T18:53:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/detroit-free-press-detroit-man-settles-race-discrimination-lawsuit-then-bank-wont-cash-his-check/</loc>
		<lastmod>2020-02-06T18:52:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-blade-fairness-in-lending/</loc>
		<lastmod>2020-02-06T18:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-hill-federal-bank-watchdog-charges-five-former-wells-fargo-execs-over-accounts-scandal/</loc>
		<lastmod>2020-02-06T18:49:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/yahoo-finance-low-income-americans-need-more-wealth-not-more-debt/</loc>
		<lastmod>2020-02-06T18:48:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-hill-is-this-the-beginning-of-the-end-of-americas-housing-crisis/</loc>
		<lastmod>2020-02-06T18:47:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-what-reparations-mean-to-one-american-family/</loc>
		<lastmod>2020-02-04T18:02:40+00:00</lastmod>
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	<url>
		<loc>https://ncrc.org/bloomberg-businessweek-banks-are-handing-out-beefed-up-credit-lines-no-one-asked-for/</loc>
		<lastmod>2020-02-04T17:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-what-shapes-a-kids-opportunities-researchers-say-look-to-the-neighborhood/</loc>
		<lastmod>2020-02-04T17:45:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/reuters-u-s-bank-regulator-sharpens-teeth-on-wells-fargo-surprising-critics/</loc>
		<lastmod>2020-02-04T17:41:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/vox-the-answer-to-americas-health-care-cost-problem-might-be-in-maryland/</loc>
		<lastmod>2020-02-04T17:40:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-the-neighborhoods-we-will-not-share/</loc>
		<lastmod>2020-02-04T17:32:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-were-banning-facial-recognition-were-missing-the-point/</loc>
		<lastmod>2020-02-04T17:22:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-when-white-supremacists-overthrew-an-elected-government/</loc>
		<lastmod>2020-02-04T17:19:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-guardian-whitewashed-how-gentrification-continues-to-erase-las-bold-murals/</loc>
		<lastmod>2020-02-04T17:11:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/citylab-the-house-flippers-of-pittsburgh-try-a-new-tactic/</loc>
		<lastmod>2020-02-04T16:13:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/st-louis-post-dispatch-reforms-would-hurt-equitable-economic-development/</loc>
		<lastmod>2020-02-04T16:10:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/city-of-saint-paul-mayors-office-college-bound-saint-paul/</loc>
		<lastmod>2020-02-04T16:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/opportunity-zones-lmi-map/</loc>
		<lastmod>2020-01-30T19:28:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/age-friendly-banking-and-the-occ-and-fdics-proposed-changes-to-the-community-reinvestment-act/</loc>
		<lastmod>2020-01-30T19:01:11+00:00</lastmod>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/AFB-CRA-Table-v2.png</image:loc>
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	</url>
	<url>
		<loc>https://ncrc.org/community-leaders-speak-up-against-proposed-changes-to-cra/</loc>
		<lastmod>2020-01-29T18:42:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/peoples_trust/</loc>
		<lastmod>2020-01-28T14:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/absurd-examples-of-what-would-qualify-for-community-reinvestment-act-credit-under-proposed-rule-changes/</loc>
		<lastmod>2020-01-24T17:41:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/cbs-news-blacks-and-latinos-say-they-pay-higher-bank-fees-research-suggests-theyre-right/</loc>
		<lastmod>2020-01-22T20:26:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-the-trump-administration-is-clearing-the-way-for-housing-discrimination/</loc>
		<lastmod>2020-01-22T20:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/washington-post-dangling-disaster-relief-funds-white-house-to-require-puerto-rico-to-implement-reforms/</loc>
		<lastmod>2020-01-22T20:19:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-republic-the-silicon-valley-economy-is-here-and-its-a-nightmare/</loc>
		<lastmod>2020-01-22T20:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/tmc-news-cadence-bancorporation-appoints-nine-community-leaders-to-newly-formed-community-reinvestment-act-advisory-board/</loc>
		<lastmod>2020-01-22T15:45:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/akron-beacon-journal-guest-view-proposed-banking-changes-need-to-be-amended/</loc>
		<lastmod>2020-01-22T15:41:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/washington-city-paper-causes-of-death-why-is-dcs-homicide-count-rising-again/</loc>
		<lastmod>2020-01-22T15:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/next-city-a-tale-of-two-community-reinvestment-act-proposals/</loc>
		<lastmod>2020-01-22T15:31:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/next-city-unpacking-the-proposed-changes-to-the-community-reinvestment-act/</loc>
		<lastmod>2020-01-22T15:24:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/call-for-nominations-who-are-the-new-leaders-of-change-for-a-just-economy/</loc>
		<lastmod>2020-01-21T21:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/zinn-education-project-teaching-with-new-york-times-1619-project/</loc>
		<lastmod>2020-01-15T20:53:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-guardian-my-parkdale-is-gone-how-gentrification-reached-the-one-place-that-seemed-immune/</loc>
		<lastmod>2020-01-15T20:44:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/npr-racist-housing-practices-from-the-1930s-linked-to-hotter-neighborhoods-today/</loc>
		<lastmod>2020-01-15T20:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/st-louis-public-radio-black-business-owners-face-an-uphill-battle-securing-bank-loans/</loc>
		<lastmod>2020-01-15T20:37:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrcs-policy-director-testifies-before-house-on-disaster-cra-reform-proposal/</loc>
		<lastmod>2020-01-15T15:35:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-changing-rules-to-help-bankers-and-hurt-poor-neighborhoods/</loc>
		<lastmod>2020-01-15T15:28:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-director-of-policy-and-government-affairs-testifies-in-front-of-house-financial-services-subcommittee-on-consumer-protection-and-financial-institutions-about-winners-and-losers-in-proposed-cra-ch/</loc>
		<lastmod>2020-01-14T19:30:16+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/image-01.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/comment-period-for-affh-notice-of-proposed-rulemaking-now-open/</loc>
		<lastmod>2020-01-14T19:15:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-submits-foia-request-for-missing-data-in-cra-proposed-rule/</loc>
		<lastmod>2020-01-14T18:10:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/adding-underserved-census-tracts-as-criterion-on-cra-exams/</loc>
		<lastmod>2020-01-14T16:59:09+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/Figure-1-web.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/All-Tables-v2-1.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/All-Tables-v2-3.jpg</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/All-Tables-v2-4.png</image:loc>
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			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/Milwaukee_HOLC-v3-NEW-scaled.jpg</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/Milwaukee_LMI-v3-NEW-scaled.jpg</image:loc>
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		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2020/01/DC_LMI-v3-NEW-scaled.jpg</image:loc>
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	<url>
		<loc>https://ncrc.org/shelterforce-redlining-would-be-relegalized-by-cra-reform-proposal/</loc>
		<lastmod>2020-01-14T15:32:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/los-alamos-daily-post-spotlight-on-ebts-uriah-cachora-and-her-community-outreach-efforts/</loc>
		<lastmod>2020-01-10T16:50:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/morning-consult-key-federal-reserve-official-ups-the-interagency-ante-on-redlining-regulation/</loc>
		<lastmod>2020-01-10T16:46:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/san-francisco-chronicle-save-the-community-reinvestment-act-a-path-to-the-american-dream/</loc>
		<lastmod>2020-01-10T16:43:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/american-banker-regulators-powerful-incentive-to-fast-track-cra-reform/</loc>
		<lastmod>2020-01-10T16:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/politico-bank-cop-faces-grassroots-resistance-on-remake-of-anti-redlining-law/</loc>
		<lastmod>2020-01-10T16:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/comment-period-for-cra-notice-of-proposed-rulemaking-now-open/</loc>
		<lastmod>2020-01-09T21:25:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/cnn-homeland-security-department-to-provide-individual-citizenship-data-to-census/</loc>
		<lastmod>2020-01-08T18:22:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/roadsbridges-u-s-dot-interactive-map-encourages-investment-in-underserved-communities/</loc>
		<lastmod>2020-01-08T18:20:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-hill-senate-confirms-trump-pick-for-small-business-chief/</loc>
		<lastmod>2020-01-08T18:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-the-conundrum-affordable-housing-poses-for-the-nation/</loc>
		<lastmod>2020-01-08T18:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-ceo-jesse-van-tol-statement-on-affirmative-furthering-fair-housing-notice-of-proposed-rulemaking/</loc>
		<lastmod>2020-01-07T20:51:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bank-branch-changes/</loc>
		<lastmod>2020-01-06T14:37:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/detroit-cdfi-struggles-to-reach-business-developers-of-color/</loc>
		<lastmod>2020-01-03T16:41:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/proposed-changes-to-cra-pose-threat-to-vulnerable-communities-critics-say-most/</loc>
		<lastmod>2020-01-03T16:37:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrcs-letter-to-house-and-senate-appropriations-committees-on-housing-counseling-budget-needs/</loc>
		<lastmod>2019-12-19T21:14:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/abcnews-how-gun-homicides-could-be-linked-to-bleak-outlook-of-the-future-study/</loc>
		<lastmod>2019-12-19T16:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/american-banker-will-cra-revamp-stimulate-lending-in-down-and-out-neighborhoods/</loc>
		<lastmod>2019-12-19T16:37:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/newson6-local-businesses-compete-in-holiday-lights-contest-while-combatting-escalating-retail-challenges/</loc>
		<lastmod>2019-12-19T16:30:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/national-credit-union-administration-ncua-board-member-todd-m-harper-statement-on-the-2020-2021-budget/</loc>
		<lastmod>2019-12-19T16:20:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-financial-regulators-propose-overhaul-of-anti-redlining-law/</loc>
		<lastmod>2019-12-18T21:14:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/politico-fdic-bid-to-overhaul-anti-redlining-law-sparks-protest-by-waters/</loc>
		<lastmod>2019-12-18T21:13:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-overhaul-of-anti-redlining-law-sparks-rift-among-financial-regulators/</loc>
		<lastmod>2019-12-18T21:12:56+00:00</lastmod>
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	<url>
		<loc>https://ncrc.org/american-banker-reactions-to-cra-plan-signal-long-fight-ahead/</loc>
		<lastmod>2019-12-18T21:12:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-bank-regulators-disagree-on-changes-to-rules-for-poor-communities/</loc>
		<lastmod>2019-12-18T20:59:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-guardian-a-black-woman-faces-prison-because-of-a-jim-crow-era-plan-to-protect-white-voters/</loc>
		<lastmod>2019-12-18T20:53:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-this-is-what-racism-sounds-like-in-the-banking-industry/</loc>
		<lastmod>2019-12-18T20:50:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/citylab-did-uber-just-enable-discrimination-by-destination/</loc>
		<lastmod>2019-12-18T20:50:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bloomberg-banks-may-get-leeway-to-label-nfl-stadium-funding-as-aid-to-poor/</loc>
		<lastmod>2019-12-18T20:48:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/initial-ncrc-analysis-of-the-fdic-and-occ-notice-of-proposed-rulemaking-concerning-the-community-reinvestment-act/</loc>
		<lastmod>2019-12-18T19:51:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/branch_closures-nov-2019/</loc>
		<lastmod>2019-12-18T15:02:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/caregivers-face-additional-financial-strains-that-limit-retirement-funds/</loc>
		<lastmod>2019-12-17T17:46:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/proposed-changes-to-the-community-reinvestment-act-will-be-disastrous-for-low-and-moderate-income-communities/</loc>
		<lastmod>2019-12-17T15:57:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/summary-fact-sheet-on-the-occ-and-fdic-cra-proposed-rule/</loc>
		<lastmod>2019-12-16T18:37:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/elizabeth-warren-doubles-down-on-affordable-housing-legislation/</loc>
		<lastmod>2019-12-15T18:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/new-map-shows-gentrification-in-minneapolis/</loc>
		<lastmod>2019-12-15T18:01:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/mayor-economic-growth-thats-equitable-and-inclusive/</loc>
		<lastmod>2019-12-15T18:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/fighting-for-food-justice-in-a-gentrified-richmond/</loc>
		<lastmod>2019-12-15T17:59:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/charlene-crowell-nations-racial-wealth-divide-worsens-with-federal-tax-cut/</loc>
		<lastmod>2019-12-15T17:58:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/consumers-first-act-consumer-groups-applaud-house-on-passage/</loc>
		<lastmod>2019-12-15T17:52:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/eyes-wide-open-jane-elliott-to-speak-about-gentrification-at-d-c-elementary-school/</loc>
		<lastmod>2019-12-15T17:52:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/new-orleans-needs-a-stronger-not-a-weaker-community-reinvestment-act/</loc>
		<lastmod>2019-12-15T17:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/gentrification-got-gentrified/</loc>
		<lastmod>2019-12-15T17:49:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/plan-aims-to-ease-an-antibias-laws-mortgage-reporting-rules/</loc>
		<lastmod>2019-12-15T17:48:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/gentrification-encroaches-on-howard-and-texas-southern-campuses/</loc>
		<lastmod>2019-12-15T17:46:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bbt-suntrust-tout-community-benefit-of-megadeal-amid-critics-concerns/</loc>
		<lastmod>2019-12-15T17:45:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bbt-suntrust-clear-key-hurdle-on-road-to-merger/</loc>
		<lastmod>2019-12-15T17:44:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/poverty-is-a-bigger-problem-than-gentrification/</loc>
		<lastmod>2019-12-15T17:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-displacement-dangers-of-the-trump-democrat-infrastructure-deal/</loc>
		<lastmod>2019-12-15T17:43:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/keybank-invests-197-million-locally-under-community-benefits-plan/</loc>
		<lastmod>2019-12-15T17:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/economics-in-brief-tax-breaks-worsened-racial-wealth-gap/</loc>
		<lastmod>2019-12-15T17:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/as-gentrification-swallows-chocolate-city-report-finds-d-c-cops-targeted-black-residents/</loc>
		<lastmod>2019-12-15T17:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/housing-is-a-queer-issue-dc-dykes-plan-to-march-against-displacement/</loc>
		<lastmod>2019-12-15T17:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/a-black-neighborhoods-complicated-relationship-with-the-home-of-the-preakness/</loc>
		<lastmod>2019-12-15T17:36:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/discriminatory-housing-practices-linked-to-higher-pollution-and-asthma-rates-new-report-finds/</loc>
		<lastmod>2019-12-15T17:35:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/rehabbing-of-homes-on-crucial-downtown-corridor-under-way/</loc>
		<lastmod>2019-12-15T17:35:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/how-gentrification-brings-over-policing-for-d-c-s-black-residents/</loc>
		<lastmod>2019-12-15T17:34:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-letter-to-cfpb-director-requesting-significant-improvement-in-the-public-dissemination-of-hmda-data/</loc>
		<lastmod>2019-12-13T21:52:23+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/12/fig-01b.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/12/fig-02.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/12/fig-03.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/12/fig-04.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/diverse-coalition-issues-joint-statement-on-proposed-changes-to-community-reinvestment-act/</loc>
		<lastmod>2019-12-13T17:30:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrc-ceo-jesse-van-tol-statement-on-fdic-occ-notice-of-proposed-rulemaking-for-community-reinvestment-act/</loc>
		<lastmod>2019-12-12T21:45:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/more-than-500-community-organizations-urge-fdic-to-not-join-flawed-notice-of-proposed-rulemaking-for-community-reinvestment-act/</loc>
		<lastmod>2019-12-12T15:11:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/elkhart-county/</loc>
		<lastmod>2019-12-12T14:58:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/hamilton-county/</loc>
		<lastmod>2019-12-11T20:59:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/how-to-evaluate-community-development-financing-and-services-under-cra/</loc>
		<lastmod>2019-12-10T17:48:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/how-to-pay-tribute-to-the-nations-native-american-heritage/</loc>
		<lastmod>2019-12-09T21:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/american-banker-four-big-questions-as-cra-proposal-nears-official-release/</loc>
		<lastmod>2019-12-09T21:21:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-what-would-happen-if-we-randomly-gave-1000-to-poor-families-now-we-know/</loc>
		<lastmod>2019-12-09T21:19:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/business-insider-nobel-laureate-economist-joseph-stiglitz-its-time-for-congress-to-do-something-about-the-economic-mess-that-private-equity-giants-have-created/</loc>
		<lastmod>2019-12-09T21:18:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/marketwatch-this-depressing-chart-shows-the-jaw-dropping-wealth-gap-between-millennials-and-boomers/</loc>
		<lastmod>2019-12-09T21:16:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/dallas-observer-city-hall-exhibit-aims-to-educate-about-dallas-segregated-past-and-present/</loc>
		<lastmod>2019-12-09T21:14:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ncrcs-comment-on-reporting-of-data-on-loans-to-small-businesses-and-farms/</loc>
		<lastmod>2019-12-09T18:55:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/do-cra-exams-measure-retail-lending-well/</loc>
		<lastmod>2019-12-09T18:48:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bbt-suntrust-and-ncrc-announce-60-billion-community-investment-commitment-for-new-truist-bank/</loc>
		<lastmod>2019-12-05T19:38:59+00:00</lastmod>
		<image:image>
			<image:loc>https://ncrc.org/wp-content/uploads/2019/07/NCRC_Event-104_crop2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://ncrc.org/california-reinvestment-coalition-national-community-reinvestment-coalition-and-cit-announce-7-75-billion-community-benefits-plan/</loc>
		<lastmod>2019-12-05T19:36:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/newsweek-military-families-live-in-housing-with-mice-and-mold-and-congress-wants-slumlords-and-top-brass-held-accountable/</loc>
		<lastmod>2019-12-05T14:54:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/boston-globe-other-states-are-tackling-their-housing-crises-so-why-not-mass/</loc>
		<lastmod>2019-12-05T14:52:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/vox-the-sordid-history-of-housing-discrimination-in-america/</loc>
		<lastmod>2019-12-05T14:50:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-new-york-is-shipping-its-homeless-to-squalid-housing-out-of-state-newark-lawsuit-claims/</loc>
		<lastmod>2019-12-05T14:44:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/next-avenue-finally-a-push-to-help-americans-save-for-emergencies/</loc>
		<lastmod>2019-12-05T14:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-atlantic-freedom-is-meaningless-under-insurmountable-debt/</loc>
		<lastmod>2019-12-05T14:41:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-kamala-harris-drops-out-of-the-2020-presidential-race/</loc>
		<lastmod>2019-12-05T14:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/cbs-news-rent-is-obscene-here-the-issues-forcing-people-in-seattle-onto-the-street/</loc>
		<lastmod>2019-12-05T14:36:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-watch-4-decades-of-inequality-drive-american-cities-apart/</loc>
		<lastmod>2019-12-05T14:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-times-living-life-as-a-mortgage-prisoner/</loc>
		<lastmod>2019-12-05T14:27:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-how-racism-ripples-through-rural-californias-pipes/</loc>
		<lastmod>2019-12-05T14:25:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/racial-wealth-snapshot-american-indians-native-americans/</loc>
		<lastmod>2019-12-04T20:21:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/npr-consumer-agency-failed-to-protect-student-loan-borrowers-lawsuit-says/</loc>
		<lastmod>2019-11-27T14:27:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-racism-right-before-our-eyes/</loc>
		<lastmod>2019-11-27T14:25:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/citylab-what-a-trillion-dollar-housing-pledge-looks-like/</loc>
		<lastmod>2019-11-27T14:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/fortune-why-every-company-wants-to-look-like-a-bank-without-becoming-one/</loc>
		<lastmod>2019-11-27T14:20:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-outdated-poverty-data-funneled-millions-to-wealthy-dc-neighborhoods-post-analysis-shows/</loc>
		<lastmod>2019-11-27T14:17:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/cbs-news-does-goldman-sachs-online-bank-marcus-have-an-apple-card-gender-issue/</loc>
		<lastmod>2019-11-27T14:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bloomberg-climate-change-is-a-financial-crisis-too/</loc>
		<lastmod>2019-11-27T14:12:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/newsday-undercover-investigation-reveals-evidence-of-unequal-treatment-by-real-estate-agents/</loc>
		<lastmod>2019-11-27T14:11:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/npr-is-redeveloping-religious-spaces-a-solution-to-dcs-housing-crisis/</loc>
		<lastmod>2019-11-27T14:08:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-wall-street-journal-rewrite-of-lower-income-lending-rules-to-advance-in-december/</loc>
		<lastmod>2019-11-27T14:04:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-economic-reality-of-native-americans-and-the-need-for-immediate-repair/</loc>
		<lastmod>2019-11-26T18:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ibtn9-usa-capital-impact-partners-expands-program-to-increase-number-of-minority-developers-in-washington-d-c-metropolitan-area/</loc>
		<lastmod>2019-11-25T16:44:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/wired-the-future-of-banking-is-youre-broke/</loc>
		<lastmod>2019-11-25T16:28:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-atlantic-the-electoral-colleges-racist-origins/</loc>
		<lastmod>2019-11-25T16:26:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-what-happened-when-brooklyn-tried-to-integrate-its-middle-schools/</loc>
		<lastmod>2019-11-25T16:24:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/vice-actually-supporting-homeless-people-does-not-mean-housing-them-yourself/</loc>
		<lastmod>2019-11-25T16:20:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-opportunity-zones-for-billionaires/</loc>
		<lastmod>2019-11-25T16:16:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/milwaukee-neighborhood-news-service-opinion-theres-new-found-momentum-for-affordable-homeownership-in-milwaukee-lets-not-mess-it-up-local-and-state-leaders/</loc>
		<lastmod>2019-11-21T19:22:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/usa-today-black-households-can-afford-just-25-of-homes-for-sale-down-from-39-in-2012/</loc>
		<lastmod>2019-11-21T19:06:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/national-mortgage-news-median-sale-price-of-twin-cities-home-hits-a-record-in-october/</loc>
		<lastmod>2019-11-21T18:18:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/ds-news-rising-rates-for-minority-homeownership/</loc>
		<lastmod>2019-11-21T17:53:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/moving-communities-out-of-racialized-asset-poverty/</loc>
		<lastmod>2019-11-20T21:21:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/poor-old-people-the-graying-of-racial-and-gender-wealth-inequality/</loc>
		<lastmod>2019-11-20T15:32:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/new-penn-institute-cra-research-compendium-suggests-incremental-change-is-best-path-for-cra-reform/</loc>
		<lastmod>2019-11-19T15:23:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/medium-in-atlantic-city-the-legacy-of-segregation-and-redlining-endures/</loc>
		<lastmod>2019-11-18T16:29:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-informer-d-c-council-eyes-financial-literacy-elective-for-students/</loc>
		<lastmod>2019-11-18T16:11:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/npr-with-rent-control-likely-to-stay-in-d-c-tenant-advocates-urge-stronger-protections/</loc>
		<lastmod>2019-11-18T16:08:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/wgbh-two-pioneering-women-editors-take-on-gender-inequity-in-the-newsroom/</loc>
		<lastmod>2019-11-18T16:03:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-hill-daca-arguments-draw-large-protests-at-supreme-court/</loc>
		<lastmod>2019-11-18T15:32:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/utah-policy-usu-research-shows-discrimination-in-minority-and-women-owned-small-business-lending-practices/</loc>
		<lastmod>2019-11-18T15:19:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/los-angeles-times-daca-changed-a-generation-of-california-immigrants-these-are-some-of-their-stories/</loc>
		<lastmod>2019-11-18T15:12:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/forbes-the-elder-fraud-prevention-program-that-works/</loc>
		<lastmod>2019-11-18T15:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-where-civility-is-a-motto-a-school-integration-fight-turns-bitter/</loc>
		<lastmod>2019-11-18T14:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-why-it-costs-so-much-to-build-affordable-housing/</loc>
		<lastmod>2019-11-08T19:30:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-washington-post-las-vegas-bans-the-homeless-from-sleeping-on-some-streets-critics-call-it-a-war-on-the-poor/</loc>
		<lastmod>2019-11-08T19:27:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/morning-consult-kraninger-signals-caution-on-controversial-small-business-lending-policy/</loc>
		<lastmod>2019-11-08T19:24:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/valuewalk-is-the-dodd-frank-act-spurring-more-lending-to-the-poor/</loc>
		<lastmod>2019-11-08T19:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/bloomberg-americas-largest-health-insurer-is-giving-apartments-to-homeless-people/</loc>
		<lastmod>2019-11-08T19:20:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-baltimore-sun-this-tech-company-is-the-first-to-get-a-boost-from-moving-to-a-baltimore-opportunity-zone-are-more-coming/</loc>
		<lastmod>2019-11-08T19:15:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-lawmakers-increase-criticism-of-opportunity-zone-tax-break/</loc>
		<lastmod>2019-11-08T19:13:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/npr-most-of-nations-top-public-universities-arent-affordable-for-low-income-students/</loc>
		<lastmod>2019-11-08T18:58:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-new-york-times-victim-of-milwaukee-acid-attack-says-he-was-told-to-go-back-to-your-country/</loc>
		<lastmod>2019-11-08T18:55:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/the-atlantic-the-inflation-gap/</loc>
		<lastmod>2019-11-08T18:52:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/u-s-news-report-dc-didnt-properly-handle-illegal-housing-complaint/</loc>
		<lastmod>2019-11-08T18:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/capital-and-main-our-united-states-of-inequality/</loc>
		<lastmod>2019-11-08T18:45:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/monitor-daily-cit-crc-ncrc-launch-7-75b-community-benefits-plan/</loc>
		<lastmod>2019-11-08T18:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/axios-apple-will-spend-2-5-billion-to-alleviate-california-housing-crisis/</loc>
		<lastmod>2019-11-08T18:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/st-louis-post-dispatch-local-lender-looks-to-help-small-north-st-louis-businesses/</loc>
		<lastmod>2019-11-08T18:30:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/national-fair-housing-alliance-2019-fair-housing-trends-report/</loc>
		<lastmod>2019-11-08T18:28:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/citylab-america-has-a-halloween-costume-equity-gap/</loc>
		<lastmod>2019-11-08T18:25:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://ncrc.org/brookings-is-zoning-a-useful-tool-or-a-regulatory-barrier/</loc>
		<lastmod>2019-11-08T18:19:43+00:00</lastmod>
	</url>
</urlset>
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