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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.

Thursday, May 28, 2015 12:52 PM

CRA Grade Inflation Infographic

 How well are regulators evaluating banks under the Community Reinvestment Act? Check out a new infographic showing the inflation of CRA grades.

Download the infographic

Letter to the Senate Banking Committee in opposition to the draft legislation, "The Financial Regulatory Improvement Act of 2015."

Download the letter   


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

Statement for the Record to the Senate Banking Committee for hearing on "Regulatory Burdens to Obtaining Mortgage Credit."

Download the letter    


Letter to Senate Majority Leader Mitch McConnell Calling for Loretta Lynch's Confirmation.

Download the letter  


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.