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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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Investing in Culturally- Significant Businesses and Community Growth
Faulty Foundations: Mystery-Shopper Testing In Home Appraisals Exposes Racial Bias Undermining Black Wealth
Tracing the Legacy of Redlining: A New Method for Tracking the Origins of Housing Segregation

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On our radar

American Banker: Credit card demand rises as pandemic boost to consumers’ wallets wanes
The New York Times: Is N.Y.’s Child Welfare System Racist? Some of Its Own Workers Say Yes.
The Washington Post: Pandemic led to sharp spike in Black, Asian and Latino homeownership
NPR: Congress considers codifying same-sex marriage after long battle for gay rights
NPR: Homeless veterans in Los Angeles sue the VA over promised housing

Press Releases

NCRC Announces $40 Billion Community Benefits Plan With BMO Harris Bank
NCRC Supports Nomination Of Martin Gruenberg To Head FDIC
NCRC Announces Expanded Community Benefits Agreement With First Merchants Bank
NCRC Hires Larry Cain as Director of Finance
NCRC Hires Daniella Djiogan as Project Director of the DC Women’s Business Center

in the news

Market Watch: U.S. Latinos contributed trillions of dollars to the economy in 2020. So why are they so underserved by financial services?
Black Enterprise: The Difference Is Clear: Appraisal Of Same Home Quoted $350k For White Homeowner, $310k For Black Partner
The Seattle Times: Some Seattle banks thrived in pandemic by axing single-family loans
Market Watch: Property appraisers valued an interracial couple’s home at $310,000 when they met the Black homeowner — but gave their white partner a $350,000 valuation

OUR IMPACT

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