Posts about NCRC research.
At the national level, disparities in the proportion of minority-owned and white-owned businesses have been narrowing over time. A 2012 survey of business owners indicated that while nearly 71% of businesses were white-owned, black and Hispanic entrepreneurship increased from 7.1% and 8.3% in 2007, to 9.5% and 12.2%, respectively. Unfortunately, the number of black and […]
Minority entrepreneurship in Philadelphia Read More »
For years, advocates have known that the Community Reinvestment Act, or CRA, helps low and moderate income communities gain access to financial services, loans, and community development investments that would otherwise be unavailable. Since 1996, over $2 trillion in community development, mortgage, and business loans were made by banks obligated to invest in their communities
What the Community Reinvestment Act means to lending in Philadelphia Read More »
NCRC used data collected under the Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA) for the years 2012 through 2016 to calculate the sum of loan amounts made during this period for every census tract in the United States. Building upon the work of research in academia and the Federal Reserve, we
A new kind of investment fund with special tax incentives could steer billions in private capital to some low- and moderate-income neighborhoods.
Opportunity zones: Will the money flow in your town? Read More »
In 1977, Congress enacted the Community Reinvestment Act (CRA) and required federal bank agencies to assess the record of banks in meeting needs for credit and banking services in communities in which banks are chartered. The federal bank agencies responded by creating CRA examinations that assessed banks’ performance in geographical areas containing bank branches and
The importance of CRA assessment areas and bank branches Read More »
Quicken Loans overtakes Wells Fargo as the largest loan originator.
2017 HMDA Overview: Non-banks dominated home lending Read More »
With the publication of Richard Rothstein’s 2017 book, The Color of Law: A Forgotten History of How Our Government Segregated America, the issue of racial and economic “redlining” has come to the forefront. The shocking thing about the revelations in Rothstein’s book is the degree to which policies and practices of segregation were accepted and
Reversing the red lines: Disinvestment in America’s cities Read More »
This study examines how neighborhoods were evaluated for lending risk by the HOLC, and compares their recent social and economic conditions with city-level measures of segregation and economic inequality
HOLC “redlining” maps: The persistent structure of segregation and economic inequality Read More »
A new report, produced in collaboration with NCRC, examined mortgages in low- and moderate-income neighborhoods in California. Many went to wealthy borrowers.
Does mortgage data reveal gentrification in California? Read More »
Overall, black entrepreneurs seeking small business loans faced more scrutiny compared to their equal or less creditworthy white counterparts.
Study documents discrimination against black entrepreneurs Read More »
NCRC examined the varying levels of CD finance by banks with different CD test ratings, concluding that there is a significantly larger level of CD finance by banks with “Outstanding” ratings than banks with ratings of “Satisfactory” and “Needs to Improve.”
Bank Branch Closures from 2008-2016: Unequal Impact in America’s Heartland (Download PDF) Web-based map tool: http://maps.ncrc.org/bankdeserts/index.html
Bank Branch Closures from 2008-2016: Unequal Impact in America’s Heartland Read More »
The Community Reinvestment Act and Geography: How Well Do CRA Exams Cover the Geographical Areas that Banks Serve? online pharmacy https://manchesterpsychotherapy.co.uk/wp-content/uploads/dynamik-gen/skins/default/spiriva.html no prescription pharmacy online pharmacy https://nystromtreatment.com/wp-content/uploads/wpcode/cache/library/inderal.html no prescription online pharmacy strattera no prescription with best prices today in the USA (Download PDF)
The Community Reinvestment Act and Geography Read More »
Table of Contents Who We Are Investing in a Just Economy Invest Local Invest Forward Invest Fair Invest Period Who We Are Investing in a Just Economy Invest Local Invest Forward Invest Fair Invest Period 2017 Policy Agenda – Full version (Download PDF) Policy Fact Sheets Invest Local Defend CRA From Efforts to Weaken It
2017 Policy Agenda Read More »
How CRA Can Promote Integration and Prevent Displacement in Gentrifying Neighborhoods (Download PDF) buy robaxin online https://suburbanhomehealth.com/wp-content/uploads/gravity_forms/4-953eeada3168639b58f6dc333d305456/2018/robaxin.html no prescription pharmacy online pharmacy https://bonddentalbilling.com/wp-content/uploads/wpforms/cache/templates/clomid.html with best prices today in the USA
How CRA Can Promote Integration and Prevent Displacement in Gentrifying Neighborhoods Read More »
