Posts about NCRC research.
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? (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)
How CRA Can Promote Integration and Prevent Displacement in Gentrifying Neighborhoods Read More »
Home Mortgage Lending in St. Louis, Milwaukee, Minneapolis, and Surrounding Areas (Download PDF)
Home Mortgage Lending in St. Louis, Milwaukee, Minneapolis, and Surrounding Areas Read More »
The Community Reinvestment Act: Vital for Neighborhoods, the Country, and the Economy (Download PDF)
The Community Reinvestment Act: Vital for Neighborhoods, the Country, and the Economy Read More »
CRA Performance Context Paper (Download PDF)
CRA Performance Context Paper Read More »
