The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation’s (FDIC) proposed Community Reinvestment Act (CRA) rule would weaken bank obligations to invest, lend and provide services in low- and moderate-income (LMI) communities, while reducing transparency and accountability.
The Proposed 2026 CRA Rollbacks: Key Takeaways and Why it Matters Read More »
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download July 21, 2026 The Honorable Hakeem Jeffries Democratic Leader U.S. House of Representatives Washington, DC 20515 The Honorable Katherine Clark Democratic Whip U.S. House
NCRC Opposes HR 6955: The Main Street Capital Access Act Read More »
Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download July 23, 2026 Clinton Jones General Counsel Attention: Comments Enterprise Duty to Serve Underserved Markets RIN 2590–AB64 Federal Housing Finance Agency 400 Seventh Street
NCRC Analysis of the CFPB’s Section 1071 Rule of 2026 June 2026 Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download Analysis Josh Silver, Senior Fellow Introduction As part of the Dodd-Frank Wall Street Reform
NCRC Analysis of the CFPB’s Section 1071 Rule of 2026 Read More »
The Community Reinvestment Act (CRA) mandates that banks invest in the communities they serve, with a particular focus on reinvestment efforts in low- and moderate-income (LMI) communities. Banks are required to fulfill this obligation by providing access to credit through safe, nonpredatory practices. Although these mandates are often viewed as compliance requirements, that perspective overlooks
Investing in underserved communities takes more than a promise – it also takes a plan to keep that promise. The National Community Reinvestment Coalition (NCRC) has developed multiple techniques to ensure that bank commitments translate into meaningful change for historically disadvantaged neighborhoods and that the people who live there, and organizations that service them, have
Housing advocates at the Metropolitan Milwaukee Fair Housing Council (MMFHC) have created an impactful toolkit for vulnerable communities that continue to be impacted by the legacy of redlining. MMFHC traces its roots back to 1977 when Milwaukee’s Sherman Park neighborhood was beginning to become racially integrated. At the time, Sherman Park was a mostly white
A new CRA rulemaking process casts aside years of careful work that produced a compromise on modernizing the Community Reinvestment Act.
A stablecoin is a digital asset that can represent virtually any national currency. In most cases, stablecoins are assigned 1:1 to the US dollar, but can also be pegged to other international currencies, such as the Euro or Yuan. In the past five years, the size of the stablecoin market has risen from approximately $5
The Need for Community Development Accountability for Stablecoin Issuers Read More »
New Jersey lawmakers will now consider a robust state CRA package that would fill gaps in the federal Community Reinvestment Act’s oversight of banks.
NCRC, NJCA Urge Passage Of State CRA Legislation In New Jersey Read More »
Housing nonprofits in Colorado had their hands full following the Great Recession of 2007. Fewer homes were being built, with unemployment causing housing insecurity rates to rise exponentially. Local and state governments also had fewer resources to help those in need. “After the Great Recession, there was a desire to co-advocate in a way that
A recent federal law enforcement settlement with Citadel Federal Credit Union illustrates why the Community Reinvestment Act’s (CRA) omission of credit unions from its rules is a dangerous mistake, a leading community development and financial regulation advocate said Tuesday. “It no longer makes sense to let credit unions out of the common-sense obligations that CRA
A new state-level Community Reinvestment Act from the Illinois legislature offers a roadmap for economic justice.
A legal analysis of the new CRA lawsuit from bank lobbyists.
The Community Reinvestment Act requires public input to be effective. How much do the new CRA rules change public engagement?
Analysis: New CRA Rule’s Improvements To Public Engagement Systems Do Not Go Far Enough Read More »
