Resources

Research and publications

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.


The Consumer Financial Protection Bureau (CFPB) recently issued a series of amendments to the Ability-to-Repay rule, which is set to go into effect January 10, 2014. The rule, originally issued in January of this year, holds lenders legally responsible for acting in good faith and making a reasonable determination, before closing, that a homebuyer has a realistic chance of repaying a mortgage loan. The rule will set the tone for the U.S. mortgage market because it places a legal duty on lenders to ensure that a consumer can afford to pay their mortgage. The law will presume lenders have complied with this duty only if they issue qualified mortgage (QM) loans. Because of this presumption, and the increased legal protection it provides, it is expected that almost all lenders will minimize the origination of non- QM loans. The CFPB's amendments to the rule relate directly to the underwriting requirements for qualified mortgages and address:

  • How loan originator compensation is to be calculated in determining points and fees;
  • The elimination of the 43 percent debt-to-Income ratio for some qualified mortgage loans issued by small lenders;
  • Increasing the amount that small lenders may exceed the average prime offer rate from 1.5 percent to 3.5 percent;
  • Delaying the phase-out of balloon-payment loans;
  • The exemption of government agencies, programs, and credit products from the ability-to-pay rule entirely.


Download the paper here.


May 15, 2013

Today, the National Community Reinvestment Coalition (NCRC) released an analysis of home and small business lending in Washington, DC. The analysis of 2011 Home Mortgage Disclosure Act data on lending from six major banks and the lending market as a group shows racial and gender disparities in home lending.

The analysis found that all lenders in the Washington, DC market as a group made a disproportionately low percentage of home loans to African-Americans, low- and moderate-income (LMI) borrowers and female borrowers.

Download the paper here.

The time has come for members of Congress, the prudential regulators, the Appraisal Subcommittee and the Consumer Financial Protection Bureau to work collaboratively to ensure that consumers and all the industry stakeholders involved in the home buying and refinance process will benefit from a system of regulation that helps ensure the independence and integrity of the appraisal process. These efforts will promote equal access to responsible and sustainable credit and a robust mortgage marketplace that meets our nations immediate housing finance needs.

March 29, 2012 -- NCRC President and CEO John Taylor and National Neighbors Silver Ambassador, Annette Smith, testified today before the House Appropriations Subcommittee on Labor, Health and Human Services, Education, and Related Agencies, citing issues like economic security for older adults, foreclosure prevention, and the need to restore funding to vital programs affecting America's seniors.

Annette Smith, a representative of the California Coalition for Rural Housing, one of ten National Neighbors Silver partners involved in NCRC's newest initiative to build economic security for older adults, offered written testimony in support of full funding for the Older Americans Act to the House Appropriations Subcommittee. Ms. Smith spoke of her personal experience accessing critical services in the face of homelessness.

Download the Testimony of John Taylor