Tracy McCracken

Director, Fair Housing
tmccracken@ncrc.org  202-383-7709

Tracy McCracken is NCRC’s Director of Fair Housing. She has garnered extensive fair housing and fair lending testing experience as a project coordinator with DB Consulting Group, as a senior project coordinator with the National Fair Housing Alliance, and as the executive director of the Mobile Fair Housing Center. She has conducted testing in the areas of rental, sales, lending, insurance and public accommodations. She is one of the authors of the U.S. Department of Housing and Urban Development’s “Study of the Fair Housing Initiatives Program.” She is a graduate of The University of Montevallo and Mercer University’s Walter F. George School of Law. She is a member of the Alabama State Bar Association.

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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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