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).