Posts about NCRC research.
Arts and culture are an important component of overall quality of life for every person on earth. Access to cultural resources and connections – or the lack thereof – shapes many aspects of our nation’s society. It also influences economic outcomes, as economists who study the role of “human capital” in wealth-building and opportunity creation have identified.
We asked black-white interracial couples to test home appraisers for bias. Here’s what they experienced.
Lending for home purchases and refinancing was already slowing down in 2021, when cash-out loans to home owners spiked.
A growing problem with HMDA homeownership data is blinding our ability to analyze housing equity.
Read NCRC’s preliminary analysis of the newly published HMDA data on mortgage lending in 2021.
America’s most powerful tool for fixing economic inequality is also key to fixing inequities in public health — because wealth and health are closely linked.
This is one in a series of racial wealth snapshots. See more here. Download Infographic View Infographic Introduction Women have made great strides in the workplace, comprising nearly half of …
Racial Wealth Snapshot: Women, Men, and Racial Wealth Divide Read More »
Eighty years after the Home Owners Loan Corporation (HOLC) formally drew its redlining maps, those neighborhoods are still high minority population areas with the highest rates of vacancy in their metropolitan areas.
In the ten years from March 2010 through March 2020, there was a net loss of 11,820 branches in the US, an average of 98.5 per month. Since the pandemic reached our shores in March 2020, 4,025 branches have closed — an average of 201 branch closures per month. This was beyond our prediction and calls into question the future of bank branches as the principal conduit for access to financial services.
The United States has too often hindered Native American advancement, not advanced it. Through years of intentional governmental policies that removed lands and resources, American Indians have been separated from the wealth and assets that were rightfully theirs.
Since the inception of the mid-20th century Civil Rights era and the implementation of racially blind laws such as the Community Reinvestment Act, we can point to little progress in bridging wealth and homeownership disparities.
From November 1, 2020, to December 14, 2020, NCRC conducted multi-layered matched-
pair tests of 22 different financial institutions. The purpose of this study was to examine the
role of socio-economic status (SES), specifically perceived education, on the interactions
between race and treatment in the small business pre-application arena.
Online Event Archive Recorded Thursday, October 28, 2021 Learn how you can use this powerful tool, available to all NCRC members, to produce a report on mortgages, small business lending …
As the population of young Latinos, aged 18 to 35, continues to grow, protecting and expanding their economic progress during a national pandemic-induced crisis will be critical to their wealth-building trajectory.
This paper examines shifts in the market share of banks and nonbank financial institutions in important product markets. Banks are covered by the Community Reinvestment Act (CRA) which requires them to serve all communities, including low- and moderate-income (LMI) ones. Nonbanks, in contrast, do not have this obligation.
