Are Loan Modifications For Small Businesses a Possibility in the COVID-19 Pandemic?
More evidence of inequity in access to bank services to help small businesses survive the pandemic.
Research_Report
How Can Geographical Areas on CRA exams Work for Branchless banks?
Regulatory agencies should consider loans per thousand people to identify Community Reinvestment Act assessment areas for branchless banks.
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.
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.
RERI
Racial and Ethnic Representationand Investment Framework A Research Report and Recommendationsfor Beneficial State Foundation — OVERVIEW Key steps to improve a bank’s racial and ethnic demographics within their internal workforce, and methods to improve a commitment to diversity, equity and inclusion. — Key Takeaways Although African Americans comprise over 13% of the national population, and …
Impact of COVID-19 on African American Entrepreneurship in Piedmont, North Carolina
A new study compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.
Redlining and Neighborhood Health
A new study compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.
Lending Discrimination within the Paycheck Protection Program
Lending Discrimination within the Paycheck Protection Program Anneliese Lederer, Director of Fair LendingSara Oros, Program Coordinator, Fair Housing/Fair Lending In collaboration with:Dr. Sterling Bone, Professor of Marketing, Utah State UniversityDr. Glenn Christensen, Associate Professor of Marketing, Brigham Young UniversityDr. Jerome Williams, Distinguished Professor and Prudential Chair in Business, Rutgers University Before COVID-19, tests revealed better …
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Gentrification and Disinvestment 2020
Gentrification and Disinvestment 2020 COVID-19 struck a nation that was already mostly struggling. Do Opportunity Zones benefit or gentrify low-income neighborhoods? Jason Richardson, Director, Research & Evaluation, NCRCBruce Mitchell, Ph.D., Senior Research Analyst, NCRCJad Edlebi, GIS Specialist, NCRC June 2020 EXECUTIVE SUMMARY COVID-19 exposed deep economic and social fault lines nationwide, with profound implications for …
Disinvestment, Discouragement and Inequity in Small Business Lending
Disinvestment, Discouragement and Inequity In Small Business Lending Amber Lee, Fair Lending Manager, NCRCBruce Mitchell, PhD., Senior Research Analyst, NCRCAnneliese Lederer, Director of Fair Lending & Consumer Protection, NCRC In cooperation with:Jerome Williams, Rutgers University; Sterling Bone, Utah State University; Glenn Christensen, Brigham Young University (Download) [lwptoc] Executive Summary Small businesses are vital to the …
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Shifting Neighborhoods: Gentrification and Cultural Displacement in American Cities
Shifting Neighborhoods Gentrification and cultural displacement in American cities [mashshare] Jason Richardson, Director, Research & Evaluation, NCRCBruce Mitchell, Ph.D., Senior Research Analyst, NCRCJuan Franco, Senior GIS Specialist, NCRC March 19, 2019 EXECUTIVE SUMMARY Gentrification is a powerful force for economic change in our cities, but it is often accompanied by extreme and unnecessary cultural …
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