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We work with community leaders, policymakers and financial institutions to champion fairness and end discrimination in lending, housing and business.
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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.

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NCRC 2020 Home Mortgage Report: Examining Shifts During COVID
Does Perceived Socio-Economic Status Impact Access to Credit in the Small Business Arena?
Making CRA Relevant for a Changing Financial Services Industry

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On our radar

NBC News: How 3D printing can be the solution to the nation’s affordable housing crisis
WBFO/NPR: NYC must provide separate housing for trans people in homeless shelters under new settlement
Bloomberg Business + Equality: Wall Street Is Using Tech Firms Like Zillow to Eat Up Starter Homes
NPR: Why some cities are operating legal homeless camps even in the dead of winter
USA Today: ‘Values Cannot be Words on a Wall’: PayPal CEO Dan Schulman on Why Corporations Must End Racial Discrimination

Press Releases

NCRC Submits Letter to FDIC, OCC, Federal Reserve Supporting FDIC’s action to review bank merger approval framework
Report: Low- and moderate-income families and many people of color continue to be excluded from the mortgage market
NCRC Applauds Nomination of Sarah Bloom Raskin for Federal Reserve Board Vice Chair for Supervision, and Lisa Cook and Philip Jefferson as Governors
Call for Submissions: Speak at the 2022 Just Economy Conference
NCRC submits comment to the CFPB on Section 1071 Proposed Rule

in the news

NerdWallet: Racial Funding Gap Shows Black Business Owners Are Shut Out From Accessing Capital
WBAL TV: Residents, community groups react to bank branch closing in Brooklyn
Capital & Main: Are Nonbank Mortgage Lenders Good for Minority Borrowers?
The Denver Post: “Where we come from is art”: Denver’s gentrifying Northside captured through the lens and poetry of its Latino youth

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.

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: