NCRC Mission Statement

To increase fair & equal access to credit, capital, and banking services/products for low- and moderate-income communities, because discrimination is illegal, unjust and detrimental to the economic growth of underserved communities in the United States and around the world.

As part of NCRC's mission to end discrimination and to increase fair and equal access to credit and capital for underserved communities, NCRC's National Neighbors program conducts fair housing testing and investigation for government agencies, municipalities and other interested organizations.

Fair Housing Organization Initiative

Through the Fair Housing Initiative Program under a Fair Housing Organization Initiative grant awarded by the U.S. Department of Housing and Urban Development, the National Community Reinvestment Coalition (NCRC) will conduct fair lending investigative activities to identify and combat abusive foreclosure prevention scams in major metropolitan areas throughout the United States.  This 12-month project aims to support local enforcement of fair housing and fair lending laws, build the capacity and effectiveness of non-profit fair housing organizations, and aid consumers who have been victimized by foreclosure prevention provider scams.

Though the project is national in scope, it will include targeted outreach in Metropolitan Statistical Areas (MSAs) that

(1) are largely, historically segregated;

(2) have been hard-hit by the foreclosure crisis; and

(3) have minority populations that have experienced disparate levels of subprime lending

NCRC will work with local partners to review consumer documents, and identify problematic foreclosure prevention providers. Additionally, through training and collaboration, NCRC will increase the capacity of participating organizations so that they may better address systemic discrimination and consumer protections violations beyond the grant term.

Private Enforcement Initiative

Through a FHIP Private Enforcement Initiative grant awarded by the U.S. Department of Housing and Urban Development, the National Community Reinvestment Coalition (NCRC) will address systemic discrimination in mortgage lending and loan servicing. This is a 12-month project that aims to assist with the enforcement of fair housing and fair lending laws and aid distressed consumers who are facing problematic loans due to the illegal actions of lenders and servicers.

Though the project is national in scope, it will include targeted outreach in Metropolitan Statistical Areas (MSAs) that

(1) are largely, historically segregated;  

(2) have been hard-hit by the foreclosure crisis; and  

(3) have minority populations that have experienced disparate levels of subprime lending

NCRC will work with local partners in MSAs to assist in loan document review, and to identify problematic loans, servicers, and loan originators. Additionally, through training and collaboration, NCRC will increase the capacity of local fair lending and housing counseling agencies so that they can better address the issue of systemic discrimination in mortgage lending and loan servicing beyond the grant term.

If you have any questions or would like to contact our National Neighbors' team, you can contact NCRC via Contact Us or at 800-475-NCRC (6272).