Community Reinvestment Act basics

Banks are critical community partners and can be a catalyst for change in your neighborhood, particularly when public resources shrink. This session explores how the Community Reinvestment Act (CRA) can be used to increase reinvestment in your communities. Find out how banks are rated on CRA exams and how you can influence that rating. Learn how to perform a quick data analysis on a bank’s performance and how to comment to federal regulators on bank merger proposals. This session will also cover some of the changes to CRA that have been recently proposed, and their likely impact on underserved communities.

SPEAKER:
Kevin Hill, Community Reinvestment Act Manager, NCRC, Washington, DC

PRESENTATION:
Kevin Hill – 2019 Conference CRA 101

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Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

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