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2021 SESSIONS ARCHIVE
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Women in Crisis
Stories about the nation's first female recession.
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#JustEconomy
We work with community leaders, policymakers and financial institutions to champion fairness and end discrimination in lending, housing and business.
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Redlining and Neighborhood Health
There is a higher prevalence of COVID-19 risk factors in historically “redlined” neighborhoods
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BLACK LIVES MATTER
Like wealth and opportunity, the distribution of pain and grief is unequal.
But they are shared, and the solutions must be too.
AfterThis
A Social / Distant Festival Of Ideas & Art
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The Legacy of Redlining on Black Maternal Health

December 2, 2021
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Omarova Nomination Hearing Underscores the Urgency for CRA Reform, Including Stronger Consideration of Race in Exams

November 19, 2021

#TreasureCRA

It’s time to strengthen the Community Reinvestment Act. Learn more.

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vintage redlining map

The Injustice Of Redlining

Better understand and  undo the unfair burdens of structural racism, both past and present. Learn more.

Section 1071

Submit a comment to the CFPB on its proposal to collect small business loan data under Section 1071 of the Dodd-Frank act. Learn more.

Office & Event Space

When you need to be in person – move your nonprofit or social impact venture to the Just Economy Club in DC. Learn more.

Tools

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2021 Fair Lending Tool
Produce a custom report on the mortgage/small business lending and bank branch networks in your area.
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Member Hub
Become a member and gain access to exclusive content.
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Just Economy
Forum
A network for members: Share knowledge, opportunities, successes and challenges.
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Bank Branch Locator
An interactive dashboard to locate clusters, branch deserts and gather additional data on how branches are serving your community.

Reports

Making CRA Relevant for a Changing Financial Services Industry
Adding Robust Consideration of Race to Community Reinvestment Act Regulations: An Essential and Constitutional Proposal
Business Structure may have been a Barrier to the Paycheck Protection Program and Access to Credit
2020 HMDA Preliminary Analysis
Women-Owned Small Businesses In D.C Metro Region: Challenges & Resilience In A Time of Pandemic
Addressing the Needs of Black-Owned Businesses and Entrepreneurs
Landis’s Lease-to-Own Model & Black Homeownership
The COVID Pandemic And Its Impacts On Culturally Significant Businesses
Black Entrepreneurship’s Lethal Pre-Existing Condition: The Racial Wealth Divide During the COVID Crisis

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Member Stories

How Kim Alfonso is Creating A Diverse, Inclusive and Accessible World for People with Disabilities
NCRC Member Profile: SAGE
On National Coming Out Day, Let’s Come Out Against LGBTQ+ Poverty
COVID Creative Placemaking

We need your stories

Is there a project or issue in your community you want others to know about? Do you want to highlight an exceptional team member or person from your community?

Submit a form below so we can feature you in our Member Stories.

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On our radar

USA Today: ‘Values Cannot be Words on a Wall’: PayPal CEO Dan Schulman on Why Corporations Must End Racial Discrimination
The Kansas City Star: Nowhere in US can Minimum Wage Afford a ‘Fair Market Rent’ 2-Bedroom Home; Florida Among Worst States for Affordability
The New York Times: Here’s Who Will Be Left Behind in the Housing Boom
The New York Times: In Indigenous Knowledge, Innovative Solutions
Reuters: Analysis: Digital Rivals? Central Bank E-Cash Plans Prompt Lenders to Wade in
Markets Insider: Top Fed official warns the COVID delta variant is a threat to the US economy and says the central bank will keep supporting growth
The New York Times: How the White Press Wrote Off Black America
The Washington Post: Rent prices are soaring as Americans flock back to cities
CNBC: Wells Fargo tells customers it’s shuttering all personal lines of credit
Thread Reader: Lots of Happenings in Residential Real Estate
The Kansas City Star: Number of US Renters Who Fell Behind on Payments Doubled During Pandemic
American Banker: 7 Candidates to Lead Fannie and Freddie’s Regulator
WMAR Baltimore: Baltimore awards more than 30 organizations with grant money to help transform the charm city
The New York Times: We Disagree on a Lot of Things. Except the Danger of Anti-Critical Race Theory Laws.
Forbes: Finding Fintech Opportunities Where Others Don’t

Press Releases

NCRC Commends House for Passage of Biden’s Historic Build Back Better Act
NCRC and bank trade groups urge Congress to review credit union rules
NCRC Calls on Congress To Confirm Professor Saule Omarova as Next Comptroller of the Currency
GROWTH by NCRC and Riddle Property Group, LLC Plan New Construction Townhomes in Vine City
NCRC applauds New York expansion of state Community Reinvestment Act to cover non-banks
NCRC Files Complaints Against Mortgage Lenders for Anti-Black Business Practices
NCRC submits comment supporting OCC’s full rescission of disastrous 2020 CRA rule
NCRC and M&T Bank Announce $43 Billion Community Growth Plan To Support Underserved and Communities of Color, Small Businesses
NCRC applauds DOJ, OCC, CFPB for holding Trustmark accountable for fair lending violations
SLEHCRA, The Woodstock Institute and NCRC Oppose First Mid and Jefferson Banks’ Merger Application
New for NCRC members: Quarterly meetings on fair housing
NCRC White Paper: The case for expanding the Community Reinvestment Act and its “duty to serve” to the entire financial sector
GROWTH by NCRC and Cleveland Custom Homes Break Ground on Twelve New Builds in Parma Heights, Ohio
DC Women’s Business Center director Heidi Sheppard named to board of the Association of Women’s Business Centers
Monzo USA withdraws national bank charter application opposed by NCRC

in the news

Black businesses are fighting for their lives. We can’t afford to lose them
CFPB’s Small Business Lending Data Collection Rulemaking
East Boston v. Eversource Substation: An Ongoing Fight for Justice
Association for Neighborhood & Housing Development Issues Public Comment on Comptroller of the Currency Notice
Building Generational Wealth in the Midst of Gentrification
Nevada 5th In Home Price Increase Year-To-Year
Tug-of-war over anti-redlining law heads back to the drawing board
The Democratic Party’s ‘I Don’t See Color’ Homeownership Fight, Explained
MintPress News: Microcosms of Mayhem & Humanity: Destroying Black & Brown Lives for High-Rises in the Nation’s Capital
House Financial Services Subcommittee Issues Testimony From California Reinvestment Coalition Executive Director Brito
Redlining exhibit at Forsyth County Library contextualizes the past
FHLBank San Francisco, Urban Institute launch housing equity project (UNFINISHED)

OUR IMPACT

1 +
AFFORDABLE HOMES purchased / renovated
$ 1 B
committed to Local Communities (yep that's B for BILLION)
1 K+
people trained on fair housing and lending.

Read Our 2020 Impact Report

Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

Complete the form to download the full report: