Research

 Income Is No Shield II

 High Cost Lending on Indian Reservations – Watch Out if You Are Buying a Home

 The Broken Credit System: Discrimination and Unequal Access to Affordable Loans by Race and Age

 Homeownership and Wealth Building Impeded

 The 2004 Fair Lending Disparities: Stubborn and Persistent

 The 2005 Fair Lending Disparities: Stubborn and Persistent II

 Inequalities in Small Business Lending by Income and Race of Neighborhood

 The CRA and Fair Lending Performance of Major Banks in New Orleans

 CRA and Fair Lending Performance of Financial Institutions in Philadelphia 

NCRC provides a variety of data analysis services to its members.   Valued in the thousands of dollars, these analyses describe overall home and small business lending trends on the state, local and neighborhood levels. NCRC members also receive analyses of the lending performance of specific lenders.

NCRC has conducted several in-depth studies for public sector clients.   For the City of Philadelphia, PA, NCRC assessed the extent to which banks receiving City deposits were making home and small business loans in minority and working-class communities.  NCRC’s two studies for Philadelphia documented progress (an increase in home lending by the banks), identified stakeholders

With new information in HMDA data concerning high-cost loans, NCRC has created a series of studies documenting that minorities, women and the elderly receive a disproportionate amount of high-cost or subprime loans.  When a group of borrowers receives a disproportionate amount of such loans, excessive fees, interest rates and other unfair practices become more likely,

 Asset Preservation: Trends and Interventions in Asset Stripping Services and Products 

Income is no Shield Against Racial Differences in Lending: A Comparison of High-Cost Lending in America’s Metropolitan Areas