Views

Analysis and points of view on research, trends, issues, ideas and opportunities.

The Legacy of Redlining on Black Maternal Health

During the New Deal Era of the 1930s, the discriminatory practice of redlining was introduced in the United States. Neighborhoods with immigrants and people of color were labeled  “red” and designated “hazardous” by the Home Owners’ Loan Corporation, and banks, realtors and public officials used those maps to deny loans and other investments in those …

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NCRC Applauds the CFPB’s Decision to Assess the Effectiveness of the HMDA Rule, But More Immediate Action is Required

The CFPB’s request for information this week is a promising first step, but the agency should complete the work to implement the Congressionally-mandated requirements for a HMDA that will shed light on lending activity in all communities and with the robust data points that the public needs to investigate financial institutions for fair lending concerns.

It’s time for policymakers and mortgage lenders to promote special purpose credit programs to help close the racial wealth gap

Although Congress is likely to include funding for several housing programs in the Build Back Better Act that will provide federal assistance for first-generation homeownership, these federal funds are only one of many steps needed to close the racial wealth gap. One of the most important next steps is for policymakers to encourage mortgage lenders to embrace the use of special purpose credit programs (SPCPs).

To Preserve Pre-COVID Economic Growth For Latino Americans, Eliminating Racial Economic Inequality Must Be A Priority Of Post-COVID Recovery

In honor of Latino Heritage Month, this is one in a series of NCRC snapshots and infographics exploring racial economic and wealth disparities and the economic conditions of various Latino nationalities. The Latino population has experienced record population growth, accounting for about half of total population growth from 2010 to 2019. This growth corresponds with …

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Closing the Racial Wealth Divide: A Plan to Boost Black Homeownership

This article was co-produced and co-published with the Nonprofit Quarterly. The United States is a country built on the genocide and taking of land of Indigenous peoples, as well as turning enslaved Africans into the private wealth of White citizens. This has created a nation whose riches are highly concentrated among White Americans. Even after landmark …

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COVID Creative Placemaking

of this national health crisis will take longer than initially expected. Utilizing art to process loss, explore themes of inequity in health and advocate for a more just society has a much-needed place in the creativity and function of community.

Paycheck Protection Application

Business Structure of Small Businesses May Matter More Than We Knew

The Paycheck Protection Program (PPP) was a small business lending program created by Congress in 2020 to provide loans to save businesses from the economic impacts of the COVID-19 pandemic. There were two characteristics of this program that made it unique. First, a PPP loan could convert to a forgivable grant if the business spent …

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The FDIC Should Prevent Rakuten From Getting A Banking Charter

If the Federal Deposit Insurance Corporation (FDIC) approves Rakuten Bank America’s application for an industrial loan company (ILC) charter, it would trigger a cascading series of problems that would add risk to our banking system at a time when all federal agencies should focus on reorienting the country toward an equitable recovery and a just …

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Language Barriers and Healthcare

The number of non-English-speaking US residents rises each year, contributing to a growing problem of miscommunication and understanding. While language barriers are faced practically everywhere, they are especially prevalent and can have dangerous and even fatal consequences in the healthcare sector.  

Sleep is a cyclical inequity for those in poverty

As with many other issues which cause financial and health disparities for those who are low-income, the sleep gap is cyclical, and until it is solved it will continue to wreak havoc on the wellbeing of financially disadvantaged minorities and communities.