Research Brief: Bank Branch Closure Update (2017 – 2020)
In this report, NCRC extended our previously published analysis of bank branch closures to look at changes from 2017 through 2020.
discrimination
PPP data shows loans flowed mostly to businesses in wealthy White communities
The government’s flawed COVID relief program underscored the need for equity in small business financing, and for stronger enforcement of fair lending laws.
Home lending data reveals discrepancies in Latino mortgage lending
Latino borrowers paid substantially higher closing costs and interest rates for home purchase loans compared to non-Hispanic White borrowers, according to a new report from the National Community Reinvestment Coalition (NCRC) and UnidosUS.
Hispanic Mortgage Lending 2019 Analysis
The report revealed dramatic differences in the costs and lending patterns for different subgroups of Hispanic borrowers, such as Cuban, Mexican and Puerto Rican borrowers. It also found that most Latino borrowers get their mortgages from non-bank mortgage companies and not from banks
Lending Discrimination During Covid-19: Black and Hispanic Women-Owned Businesses
Even after troubling findings from previous mystery shopper tests were published and in the news, financial institutions continued to create barriers for minorities and women business owners to access PPP loans.
White Accountability & Health Equity
In this article, diversity, equity and inclusion consultants Stephen Graves and Alex Bethel share insights on how White healthcare professionals can move beyond White fragility and harness their racial privilege to create health equity.
Despite gaping holes in government data, tests show PPP borrowers faced discrimination
An NCRC study that used testers who talked directly with banks about loans to help their small businesses stay open during the coronavirus pandemic found that White applicants were treated better than Black applicants
Government data on PPP loans is mostly worthless, but it’s not too late to fix it
The SBA didn’t require demographic data and most PPP applications didn’t include it.
HUD’s Proposed AFFH Rule Would Set Back Years of Progress
Earlier this year, the U.S. Department of Housing and Urban Development (HUD) proposed a new AFFH rule that would reverse years of progress by no longer enforcing meaningful community participation in the fair housing planning process.
Does This Economy Work for Black Americans?
There are nearly 50 million African Americans in the U.S. today. Though the African American population continues to rise, their share of the nation’s wealth isn’t keeping up, according to the National Community Reinvestment Coalition’s recent African American Racial Wealth Divide Snapshot.
Deep-rooted discrimination impacts health of LGBTQ community
As a result of the Trump Administration’s rollback of affordable healthcare and harsh cuts to affordable housing opportunities, many Americans are struggling with access to quality healthcare and stable housing. The combined toll of both of these issues, as well as pervasive and persistent discrimination, consistently put LGBTQ groups among the most affected. For decades, …
Deep-rooted discrimination impacts health of LGBTQ community Read More »
Advocacy still necessary to ensure fair housing for all
Fair housing laws protect minorities from discrimination, but they haven’t eliminated bad behavior in the lending and housing industries.
1,000 dykes march against displacement in D.C. during Pride month
On the eve of Washington, D.C., and the National Capital Region’s 2019 Pride festivities, 1,000 self-described dykes took to the streets on June 7 to protest displacement in the city, bringing the Dyke March back to D.C. for the first time in 12 years.
NCRC condemns CFPB plan to help lenders hide data
These changes will make it harder for the American public to see what’s going on.
The CFPB needs to keep easy access to HMDA data
Data is the sunlight that makes possible the fight against discrimination. The Consumer Financial Protection Bureau (CFPB), however, is considering changing its method of disseminating loan data that would make it less readily available to the public and significantly hamper our collective ability to root out unfair and discriminatory practices.
