The Racial Wealth Gap 1992 to 2022
America tried a lot of different things to repair racial economic inequality over the past three decades. The racial wealth gap barely moved.
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Video: The HMDA Longitudinal Dataset: Tracking Mortgage Lending 1981-2021
Online Event Archive Recorded: October 2, 2024 NCRC Principal Researcher Bruce Mitchell presented the HMDA Longitudinal Data Set (HLD), a comprehensive mortgage lending dataset from 1981 to 2021. Funded by the National Institutes of Health, HLD standardizes mortgage data to 2010 census boundaries, enabling consistent comparisons over four decades. The dataset includes mortgage originations by
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NCRC Comment on Third Party Guidance for Bank-Fintech Arrangements
(Download) October 15, 2024 RE: Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses To Whom it May Concern: The National Community Reinvestment Coalition (NCRC) appreciates the recent interagency guidance on third party relationships and the follow-up request for information (RFI) on bank partnerships with fintechs (non-bank financial
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NCRC’s Comment on Proposed Affordable Housing Goals for 2025-2027
(Download) October 21, 2024 RE: 2025–2027 Enterprise Housing Goals To Whom it May Concern: The National Community Reinvestment Coalition (NCRC) appreciates the opportunity to comment on the Federal Housing Finance Agency’s (FHFA) proposed affordable housing goals for 2025 through 2027. NCRC applauds some of the goals as pushing the Government Sponsored Enterprises (GSEs) to consistently
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NCRC Comments on Charles Schwab CRA Strategic Plan
(Download) October 16, 2024 Federal Reserve Board CCA-CRA-Staff@frb.gov Federal Reserve Bank of Dallas Dallas-CASup@dal.frb.org CRA Officer Charles Schwab Bank, SSB Charles Schwab Premier Bank, SSB CRAPlanComments@schwab.com Re: Proposed 2025 Community Reinvestment Act Strategic Plan for Charles Schwab Bank, SSB (the CSB Plan) and Proposed 2025 Community Reinvestment Act Strategic Plan for Charles Schwab Premier Bank,
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NCRC Comments on Square’s Proposed CRA Strategic Plan Outline how Square Exploits the ILC Charter to Avoid Reinvestment Obligations
(Download) The National Community Reinvestment Coalition (NCRC) appreciates the opportunity to provide comments on the CRA Strategic Plan (the Plan) proposed by Square Financial Services Inc. (SFS or Square). NCRC is a coalition of over 700 community organizations that work with policymakers and financial institutions to champion fairness in banking, housing, and business development. Overall,
Video: Thriving Communities Grantmaking Program
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NCRC comment on proposed FDIC rule on industrial banks
(Download) October 4, 2024 RE: Parent Companies of Industrial Banks and Industrial Loan Companies, RIN 3064–AF88 To Whom it May Concern: The National Community Reinvestment Coalition (NCRC) appreciates the opportunity to comment on proposed changes to the FDIC regulation of parent companies of industrial banks and the rigor of the application process for industrial banks.
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NCRC Mortgage Market Analysis
A thorough and robust analysis of key housing market trends for racial economic equity and homeownership.
NCRC Mortgage Market Analysis Read More »
NCRC and Fintechs – Joint Letter on Fair Lending and the Executive Order on AI
(Download) September 25, 2024 Dear Director Chopra and Director Thompson, As nonprofit consumer advocates and for-profit fintech companies, we have found common ground that artificial intelligence (AI) can, and in many cases should, be used to improve fair lending practices. We write today to encourage further action pursuant to the Administration’s Executive Order on the Safe,
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NCRC comment on FDIC Proposed Rule regarding Change in Control Applications
(Download) September 16, 2024 RE: Regulations Implementing the Change in Bank Control Act, RIN 3064–AG04 To Whom it May Concern: The National Community Reinvestment Coalition (NCRC) appreciates the opportunity to comment on the FDIC’s proposed changes to its regulation implementing the Change in Bank Control Act. The FDIC is motivated to make this change because
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Video: Your Membership, Your Benefits: A Closer Look at NCRC Membership, August 2024
Online Event Archive Recorded: August 21, 2024 Are you making the most of your NCRC Membership? Do you know NCRC offers health equity expertise and subgrant opportunities? Join us to learn what resources, services, content and networking opportunities your membership includes and how being a NCRC member can help you in your fight for a
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Video: Winning Strategies for CDFIs in Special Purpose Credit Programs
Online Event Archive Recorded: August 15, 2024 Join NCRC for Just Economy Conversations, a series of online discussions addressing America’s racial and socio-economic divides. Experts from NCRC and our network will share ideas and strategies to make a Just Economy a national priority and a local reality. The first in the series, “Winning Strategies for
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Video: 2025 Just Economy Conference Call for Sessions
Online Event Archive Recorded: August 15, 2024 Add your voice and expertise to the 2025 Just Economy Conference. This webinar will go over the session proposal process and answer any questions. From March 26-27, advocates, allies, practitioners and funders will be coming together in Washington, DC. Together, we’ll share ideas, learn and ask hard questions
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NCRC Comment on the AHP Application Process.
(Download) August 19, 2024 RE: FHLBank Affordable Housing Program Competitive Application Process To Whom it May Concern: The National Community Reinvestment Coalition (NCRC) appreciates the opportunity to comment on the Federal Housing Finance Agency’s (FHFA’s) request for information regarding the Affordable Housing Program (AHP) application process. NCRC engaged in dialogue with our member organizations including
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