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The Injustice Of Redlining

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

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Tracing the Legacy of Redlining: A New Method for Tracking the Origins of Housing Segregation
The Great Consolidation of Banks and Acceleration of Branch Closures Across America
NCRC 2020 Home Mortgage Report: Examining Shifts During COVID

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On our radar

Housing Wire: Freddie Mac First Out of the Gate with Plans for Targeted Lending Programs
CNN: Senate report details ‘ongoing mistreatment’ of service members and their families living in privatized military housing
Forbes: Biden May Cancel Student Debt Soon, Lawmakers Say After Meeting
The New York Times: Harvard Creates Fund to Redress Its Ties to Slavery
Politico: World’s Richest Man Buys ‘Free Speech’ for $44 Billion

Press Releases

Destruction Of Abortion Rights Is An Attack On Lower-Income People
NCRC To Regulators: Reject Bank Mergers That Do Not Show Benefits To The Public
NCRC Issues Initial Analysis Of Historic Community Reinvestment Act Overhaul Proposal
NCRC, Columbia Bank and Umpqua Bank Complete $8.1 Billion Community Benefits Plan to Advance Economic Opportunity for Underserved Communities
New FedNow Rules Lack Fraud Protection

in the news

American Banker: New York Community and Flagstar delay merger, shift regulatory strategy
NAFCU: Berger: Big banks have abandoned underserved communities
Insider Intelligence: CFPB looks into the financial challenges of rural communities in the US
American Banker: Waters’ proposed legislation would benefit underbanked communities


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

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