Studies for Public Sector Agencies

NCRC has conducted several in-depth studies for public sector clients.   For the City of Philadelphia, PA, NCRC assessed the extent to which banks receiving City deposits were making home and small business loans in minority and working-class communities.  NCRC’s two studies for Philadelphia documented progress (an increase in home lending by the banks), identified stakeholders whose credit needs remained relatively unmet and offered specific recommendations to strengthen the City’s ability to increase lending of banks receiving City deposits to underserved neighborhoods.  NCRC has conducted similar studies for the cities of Cincinnati, OH, Santa Fe, NM, and Denver, CO.  In addition, NCRC has conducted studies for federal agencies, including the Department of Housing and Urban Development (HUD) and the Appalachian Regional Commission (ARC).

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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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