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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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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.
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LATEST

Why the Great Migration Did Little to Bridge the Great Racial Divide
NCRC Files Final Comment Letter On Proposed Overhaul Of Community Reinvestment Act Regulations
Modernizing CRA Means Giving Banks Credit For Climate Mitigation Projects
How the Community Reinvestment Act Can Support Childcare

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

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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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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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Bank Branch Locator
An interactive dashboard to locate clusters, branch deserts and gather additional data on how branches are serving your community.

Reports

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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Member Stories

NCRC Member Profile: UPI Loan Fund
The Temperature of Disinvestment: Examining Urban Heat Islands and Historically Redlined Communities
NCRC Member Profile: City of Dayton Human Relations Council
DCWBC ShopHer Profile: Kelem

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On our radar

The New York Times: In an Unequal Economy, the Poor Face Inflation Now and Job Loss Later
The Atlantic: How California Exported Its Worst Problem to Texas
Milwaukee Journal Sentinel: A federal complaint accuses Milwaukee of creating ‘containment zones’ where low-income people are concentrated
Politico: ‘People will die waiting’: America’s system for the disabled is nearing collapse
CBS News: U.S. Bank opened fake accounts for unsuspecting customers

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Press Releases

NCRC To Regulators: Act Now To Establish A Coherent Regulatory Regime For Digital Assets
NCRC Files Final Comment Letter On Proposed Overhaul Of Community Reinvestment Act Regulations
$24 Million Settlement Of Modern-Day Redlining Case In Philadelphia Shows Government Takes Lending Discrimination Seriously
NCRC Board Chair Katy Crosby To Testify On Capitol Hill
NCRC’s Field Empowerment Fund For Nonprofits And CDFIs Opens Final Round Of Grant Applications

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in the news

American Banker: Banks hint at legal challenges to CRA rewrite
ecoRI News: Mind the Gap: R.I.’s Affordable Housing Stock Fails to Meet Need
E&E News: Anti-redlining law could soon account for climate change
Politico: Deflating expectations

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OUR IMPACT

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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 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: