NCRC Comments Regarding Notice of Proposed Rulemaking (Docket ID OCC–2018-0008 and RIN 3064-AF22)

(Download) April 8, 2020 RE: Notice of Proposed Rulemaking, Community Reinvestment Act Regulations, Docket ID OCC-2018-0008 and RIN 3064-AF22 To Whom it May Concern: The National Community Reinvestment Coalition, an association of 600 community-based organizations that promote access to basic banking services, affordable housing, entrepreneurship, job creation and vibrant communities for America’s working families, believes

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Moment of Trust: How Healthcare Professionals and Systems Can Advance Health Equity

Health inequities in the United States have seemingly been exacerbated during the recent coronavirus outbreak. Unfortunately, prior to this pandemic, certain groups like low-income families, patients who do not speak English as a primary language and people of color were among the most susceptible to be treated unfairly and lack appropriate access to care and resources.

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Beware of scams related to the coronavirus

It can be even harder to prevent scams right now because people 65 and older aren’t interacting with as many friends, neighbors and senior service providers due to efforts to slow the spread of disease.

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COVID Photo

A Trillion in Prevention

We are living in an intense time, a time where public policy failures and social inequality are revealing themselves at a level that was hidden by a relatively strong economy.

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Sign-On Letter asking OCC & FDIC to Suspend CRA Rulemaking during the COVID-19 Crisis

(Download) March 24, 2019 The Honorable Joseph M. Otting Comptroller of the Currency The Honorable Jelena McWilliams Chairman, Federal Deposit Insurance Corporation Dear Comptroller Otting and Chairman McWilliams: On behalf of the undersigned organizations, the National Community Reinvestment Coalition (NCRC) requests an immediate suspension until the end of the health crisis of the comment period for the proposed changes to

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Proposed OCC and FDIC Geographic Analysis of Home Mortgage and Small Business Lending: Permission to Decrease Lending for the Largest Banks?

Executive Summary The proposed changes to the Community Reinvestment Act (CRA) released by the Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC) would radically reconfigure the testing criteria for banks.  A new testing regime would assess low- and moderate-income (LMI) home mortgage and small business lending with a demographic comparison

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NCRC’s Letter to Congress on COVID-19 Stimulus Provisions

(Download) The Honorable Mitch McConnell Majority Leader U.S. Senate S-230, The Capitol Washington, DC 20515 The Honorable  Chuck Schumer Minority Leader United States Senate S-221, The Capitol Washington, DC 20510 The Honorable Nancy Pelosi Speaker U.S. House of Representatives H-232, The Capitol Washington, DC 20515 The Honorable Kevin McCarthy Minority Leader U.S. House of Representatives

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NCRC Applauds Federal Reserve, FDIC, OCC Efforts to Expand CRA Credit for Activities in Response to COVID-19

Today, the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) released a joint statement providing guidance to financial institutions on how they can receive credit on their Community Reinvestment Act (CRA) activities to low- and moderate-income people and communities affected by the coronavirus. 

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Community Participation in Fair Housing Planning Process Under Threat

Earlier this year, the U.S. Department of Housing and Urban Development (HUD) released a new proposed rule to change the affirmatively furthering fair housing (AFFH) rule of the Fair Housing Act (FHA). This new proposal aims to set back years of progress by no longer enforcing meaningful community participation in the AFFH process. Without the crucial input of local community members who face housing inequalities, the new rule eliminates the main elements of accountability meant to address discrimination and inequality. 

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NCRC Applauds Federal Reserve’s Release of CRA Data

“We applaud the Federal Reserve’s release of CRA data. They are practicing transparency and we look forward to fully analyzing the data. We’re also curious what it may reveal or imply about the OCC and FDIC proposal. The OCC and FDIC have failed to release data they referenced in their rule proposal,” said Jesse Van Tol, CEO of NCRC.

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row houses

Why Organizations Should Invest in Home Repairs to Improve Health

This article originally appeared on Shelterforce. A closer look at the relationship between health and the home repair needs of lower-income households. Medical and public health research has established clear and persuasive links between poor housing conditions and negative outcomes for residents’ physical and mental wellbeing. Inadequate housing can exacerbate chronic health issues, expose occupants to

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