Fair Lending Tool webinar
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 …
Research
Posts about NCRC research.
Latino housing trends during COVID-19
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.
Making CRA Relevant for a Changing Financial Services Industry
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.
Racial Wealth Snapshot: Latino Americans
Latinos are the largest community of color and fastest-growing native born demographic in the United States.
Adding Robust Consideration of Race to Community Reinvestment Act Regulations: An Essential and Constitutional Proposal
It is time for regulators to incorporate an explicit focus on race in core CRA regulations and examination procedures. This should and can be done in a manner that complements, and does not in any way supplant, the longstanding focus on LMI.
Business Structure may have been a Barrier to the Paycheck Protection Program and Access to Credit
From October 23, 2020, to December 29, 2020, the National Community Reinvestment Coalition (NCRC) surveyed small business owners in nine Metropolitan Statistical Areas (MSA). The data collected in the survey provided insight into accessing capital for small businesses as this program had fewer entry barriers than traditional loan products.
2020 HMDA Preliminary Analysis
HMDA is a crucial tool for the public and local leaders to monitor the mortgage market and ensure lenders are not redlining in their communities.
In Philadelphia, over 21,500 evictions were avoided during the pandemic, mostly in Black and Hispanic communities. Will evictions soar as the moratorium ends?
The COVID-19 pause in evictions for unpaid rent is about to end. New analysis and a map from NCRC shows which neighborhoods in Philadelphia face the greatest risk for new evictions.
Whites and the Racial Wealth Divide Snapshot
The idea and identity of whiteness in America has long been constructed, remodeled and refitted. Used as a tool to exclude and oppress, to be identified as White was, and is, a way to gain access to privileges.
Massachusetts CRA for Mortgage Companies: A Good Starting Point for Federal Policy
The Massachusetts experience indicates that applying CRA to mortgage companies nationwide is feasible and likely would increase their retail lending and community development activity in lower-income communities.
Women-Owned Small Businesses In D.C Metro Region: Challenges & Resilience In A Time of Pandemic
DC Women’s Business Center surveyed 274 small business owners in the D.C. metro area to learn how the COVID-19 pandemic and economic downturn affected their businesses.
Addressing the Needs of Black-Owned Businesses and Entrepreneurs
Addressing the Needs of Black-Owned Businesses and Entrepreneurs Photo: © Andrey Popov via stock.adobe.com A follow-up report on the impacts of COVID-19 on entrepreneurship in Piedmont, North Carolina. Authors: Dedrick Asante-Muhammad, …
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Landis’s Lease-to-Own Model & Black Homeownership
This brief explores the potential for Landis, a lease-to-own homeownership company, to make homeownership more accessible for African Americans.
The COVID Pandemic And Its Impacts On Culturally Significant Businesses
The pandemic and rapid social changes brought many challenges for a group of Black business owners in Washington, D.C., and Baltimore, but even so they emphasized the role of their businesses in maintaining the cultural vibrancy of their communities.
Racial Wealth Snapshot: Women, Men and the Racial Wealth Divide
Download Infographic Intro Women have made great strides in the workplace, comprising nearly half of the workforce, and surpassing men in higher education achievement. Yet, women still make less income, …
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