Policy

Articles about NCRC policy issues.

Small Business Data

Data disclosures must be enhanced for small business lending so that the public can thoroughly assess financial institutions’ lending practices to women, minorities, and working-class Americans. With enhanced data disclosure, regulatory agencies can more effectively enforce fair lending laws and banks are generally more motivated to serve overlooked small businesses. NCRC applauds Congress for passing …

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Anti-Predatory Lending and Sustainable Homeownership

Since the last review of the Home Ownership and Equity Protection Act (HOEPA) by the Federal Reserve Board, the home mortgage market has changed considerably. Subprime lending has become a dominant force, unregulated mortgage brokers now originate a large part of the mortgages, and exotic mortgages with exploding interest rates have become a common occurrence. …

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