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The National Community Reinvestment Coalition (NCRC) provides tools and resources for organizations and policymakers seeking to understand how financial services impact communities nationwide.

Resources and topics addressed include: the Community Reinvestment Act, the Home Mortgage Disclosure Act, predatory and abusive lending, foreclosure, neighborhood stabilization and lending disparities.

Pro Bono Data Analysis
NCRC provides data services for its members. These analyses describe overall home and small business lending trends on the state, local and neighborhood level.

Public Sector Consulting
NCRC has conducted numerous in-depth studies for public sector clients, including Department of Housing and Urban Development, the Appalachia Regional Commission, the City of Philadelphia, and other cities.

Contact the research department today to find our more: 202-628-8866.

Wednesday, November 05, 2014 02:26 PM

Summary: Proposed Changes to CRA Q&A

NCRC CRA Q&A Issue Brief.

The Office of the Comptroller of the Currency, the Federal Reserve Board, and the Federal Deposit Insurance Corporation (the “Agencies”) recently released a proposed update to the Community Reinvestment Act Q&A. The Agencies regularly review examination policies, procedures, and guidance to better serve the goals of CRA. Following the publication of the full Q&A in 2010 and the additions released in 2013, the Agencies identified several areas that warrant additional guidance. After the Agencies have considered comments received on this proposal, they plan to formally adopt and republish new and revised Q&A.


The deadline for comment is November 10, 2014.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Wednesday, September 17, 2014 07:45 AM

NCRC Analysis: Small Business Lending Deserts and Oases

 

 

The National Community Reinvestment Coalition (NCRC) analysis “Small Business Lending Deserts and Oases” reports on small business lending trends in the United States and disparities in access to credit for small businesses. The report comprehensively maps small business lending “deserts” and small business lending “oases” in the United States. The report reveals a significant national decline in small business lending.
”Small Business Lending Deserts and Oases” analyzes data on private-sector and federally supported lending practices to determine the locations of “lending deserts” and “lending oases.” It also examines lending rates to women- and minority-owned small businesses for federally supported loans. Click here [link] to view and download the report. Click here [link] to view and download the report’s appendix, “Composite Ranking – Small Business Lending in 2012 by County.”

The National Community Reinvestment Coalition (NCRC) analysis “Small Business Lending Deserts and Oases” reports on small business lending trends in the United States and disparities in access to credit for small businesses. The report comprehensively maps small business lending “deserts” and small business lending “oases” in the United States. The report reveals a significant national decline in small business lending. ”Small Business Lending Deserts and Oases” analyzes data on private-sector and federally supported lending practices to determine the locations of “lending deserts” and “lending oases.” It also examines lending rates to women- and minority-owned small businesses for federally supported loans. Click here to view and download the report. Click here to download “Small Business Lending Deserts and Oases.” Click here to view and download the report’s appendix, “Composite Ranking – Small Business Lending in 2012 by County.”

 

Today, the National Community Reinvestment Coalition (NCRC) released "Recommendations to the Consumer Financial Protection Bureau for Implementing Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010," a white paper presenting recommendations on the collection and public availability of small business loan data from financial institutions.

In the white paper, NCRC provides recommendations on the types of data that should be collected, the institutions that should be required to report the data, and how the data should be collected and made accessible.

 The white paper was made possible by generous funding from the Surdna Foundation. The full paper can be read here.

 

Download the  "Empowering Financial Service Providers to Help: Ways the Bank Secrecy Act Can Play a Stronger Role in Detecting and Preventing the Financial Crimes that Exploit Older Adults" white paper here.

 

This study examines recent trends in the availability of capital and credit for small businesses in the Appalachian Region, and compares financial conditions in 2010 with those in 2007, before the recent recession. In addition, the study assesses the impact of strategies to address capital gaps in underserved communities, including the use of regulatory oversight for reinvestment. The report also presents recommendations for action that could be taken by public agencies and institutions to address the capital and credit needs of Appalachia.

Download the paper here.

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