Fair Lending &
Consumer Protection

Everyone is entitled to just, equitable and responsible financial products and services.  NCRC’s Fair Lending and Consumer Protection team conducts testing and compliance investigations, provides training to lenders and produces analysis to ensure equitable access to credit and financial products.

Our team also works closely with NCRC members and our policy and government relations teams to advance policies that make fair lending and equitable access to financial services a national priority and a local reality.

The Equal Credit Opportunity Act prohibits credit discrimination on the basis of race, color, religion, national origin, gender, marital status, age, or because you get public assistance.

victim of lending discrimination?

If you believe that you have experienced lending discrimination, use our confidential complaint form to share your concerns. Someone from our team will contact you within three business days.

How can we help?

Contact us for more information about NCRC’s fair lending and consumer protection program, training and investigations, or to explore opportunities to collaborate or support our independent research and other projects.

Enforcement Work

We conduct enforcement of the federal Fair Housing Act and Equal Credit Opportunity Act  and other fair lending laws to help ensure economic and social justice for all.


We offer training in fair lending laws and implicit bias to industry and the public. If you are interested in these trainings please reach out to Ali Lederer

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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

Complete the form to download the full report: