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Reports and Research Library

Monday, May 11, 2015 10:51 AM

Bank Branches in Baltimore, Maryland

 

Today, the National Community Reinvestment Coalition (NCRC) released a series of maps showing the locations of bank branches and "alternative financial services providers" in Baltimore, Maryland. The maps show bank branch and "alternative financial services provider" locations based on income level and percentage of minority population. The maps show 122 bank branches in Baltimore, Maryland and 166 "alternative financial services providers." NCRC created the maps for the Middle Class Prosperity Project, a collaborative effort by Senator Elizabeth Warren, Ranking Member of the Subcommittee on Economic Policy, and Rep. Elijah E. Cummings, Ranking Member of the House Committee on Oversight and Government Reform, to focus greater congressional and public attention on the challenges facing the middle class, and to formulate and implement concrete policy changes in order to address these challenges.

Download the maps

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.

Wednesday, October 23, 2013 03:23 PM

A New Dawn: Age-Friendly Banking

Washington, DC –  Today, the National Community Reinvestment Coalition (NCRC) released a new report entitled “A New Dawn: Age-Friendly Banking.” The paper provides an overview of the current economic vulnerability of older adults and proposes a core set of age-friendly banking principles.

To read the report, click here.

National Neighbors Silver is a multi-year campaign to empower, organize and support economically vulnerable older adults. Combining advocacy, organizing and direct services the campaign promotes access to quality banking services and adequate housing for older adults. Working with the banking industry, the aging network and housing experts, National Neighbors Silver offers a platform for policy and program solutions to build economic security and preserve wealth for aging Americans.

NCRC would like to thank Atlantic Philanthropies for providing generous support to research and develop the age-friendly banking framework.


 

To read the guide, click here.



Washington, DC – Today, the National Community Reinvestment Coalition released a new Fair Housing Planning Resource Guide, entitled "Understanding the Proposed Affirmatively Furthering Fair Housing Rule." This guide is intended to serve as resource for housing & community development professionals who are seeking to understand the recently proposed United States Department of Housing & Urban Development Affirmatively Furthering Fair Housing Rule, which was published in the Federal Register on July 19th, 2013.

To read the guide, click here.

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