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Research

Posts about NCRC research.

NCRC Analysis: Small Business Lending Deserts and Oases

By / / Research / 2 minutes of reading

The National Community Reinvestment Coalition (NCRC) analysis “Small Business Lending Deserts and Oases” reports on small business lending trends in the United States and disparities in access to credit for small businesses. The report comprehensively maps small business lending “deserts” and small business lending “oases” in the United States. The report reveals a significant national […]

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Recommendations to the Consumer Financial Protection Bureau for Implementing Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010

By / / Research / 1 minute of reading

Today, the National Community Reinvestment Coalition (NCRC) released “Recommendations to the Consumer Financial Protection Bureau for Implementing Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010,” a white paper presenting recommendations on the collection and public availability of small business loan data from financial institutions. In the white paper, NCRC

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Empowering Financial Service Providers to Help: Ways the Bank Secrecy Act Can Play a Stronger Role in Detecting and Preventing the Financial Crimes that Exploit Older Adults

By / / Research / 1 minute of reading

Download the  “Empowering Financial Service Providers to Help: Ways the Bank Secrecy Act Can Play a Stronger Role in Detecting and Preventing the Financial Crimes that Exploit Older Adults” white paper here.

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Access to Capital and Credit in Appalachia and the Impact of the Financial Crisis and Recession on Commercial Lending and Finance in the Region

By / / Research / 1 minute of reading

  This study examines recent trends in the availability of capital and credit for small businesses in the Appalachian Region, and compares financial conditions in 2010 with those in 2007, before the recent recession. In addition, the study assesses the impact of strategies to address capital gaps in underserved communities, including the use of regulatory

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A New Dawn: Age-Friendly Banking

By / / Research / 1 minute of reading

Washington, DC –  Today, the National Community Reinvestment Coalition (NCRC) released a new report entitled “A New Dawn: Age-Friendly Banking.” The paper provides an overview of the current economic vulnerability of older adults and proposes a core set of age-friendly banking principles. To read the report, click here. National Neighbors Silver is a multi-year campaign

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Fair Housing Planning Resource Guide: Understanding the Proposed Affirmatively Furthering Fair Housing Rule

By / / Research / 1 minute of reading

Washington, DC – Today, the National Community Reinvestment Coalition released a new Fair Housing Planning Resource Guide, entitled “Understanding the Proposed Affirmatively Furthering Fair Housing Rule.” This guide is intended to serve as resource for housing & community development professionals who are seeking to understand the recently proposed United States Department of Housing & Urban

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A Guarantee for the Guarantee: Two Proposals to Ensure that the Future Secondary Mortgage Market Serves All Creditworthy Borrowers

By / / Research / 1 minute of reading

Washington, DC – Today, the National Community Reinvestment Coalition released a new white paper, “A Guarantee for the Guarantee: Two Proposals to Ensure that the Future Secondary Mortgage Market Serves All Creditworthy Borrowers.” The paper introduces two policy proposals designed to promote access and ensure that the future secondary mortgage market serves all creditworthy borrowers

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Issue Brief: An Analysis of the Corker-Warner GSE Reform Bill and Its Implications for Affordable Housing Finance

By / / Research / 1 minute of reading

On June 25, 2013, Senators Bob Corker (R-TN) and Mark Warner (D-VA) introduced “The GSE Reform Act of 2013.” A bipartisan group of five senators co-sponsored the bill, including Senators Heidi Heitkamp (D-ND), Dean Heller (R-NV), Mike Johanns (R-NB), Jerry Moran (R-KS), and Jon Tester (D-MT). Unfortunately, the Corker-Warner legislation is problematic and raises significant

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Issue Brief: The Consumer Financial Protection Bureau’s Amendments to the Ability-to-Repay Rule

By / / Research / 2 minutes of reading

The Consumer Financial Protection Bureau (CFPB) recently issued a series of amendments to the Ability-to-Repay rule, which is set to go into effect January 10, 2014. The rule, originally issued in January of this year, holds lenders legally responsible for acting in good faith and making a reasonable determination, before closing, that a homebuyer has

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?NCRC Lending Analysis: Report for Washington, DC

By / / Research / 1 minute of reading

May 15, 2013 Today, the National Community Reinvestment Coalition (NCRC) released an analysis of home and small business lending in Washington, DC. The analysis of 2011 Home Mortgage Disclosure Act data on lending from six major banks and the lending market as a group shows racial and gender disparities in home lending. The analysis found

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