Research

Posts about NCRC research.

A Guarantee for the Guarantee: Two Proposals to Ensure that the Future Secondary Mortgage Market Serves All Creditworthy Borrowers

By / / Research / 1 minute of reading

Washington, DC – Today, the National Community Reinvestment Coalition released a new white paper, “A Guarantee for the Guarantee: Two Proposals to Ensure that the Future Secondary Mortgage Market Serves All Creditworthy Borrowers.” The paper introduces two policy proposals designed to promote access and ensure that the future secondary mortgage market serves all creditworthy borrowers […]

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Issue Brief: An Analysis of the Corker-Warner GSE Reform Bill and Its Implications for Affordable Housing Finance

By / / Research / 1 minute of reading

On June 25, 2013, Senators Bob Corker (R-TN) and Mark Warner (D-VA) introduced “The GSE Reform Act of 2013.” A bipartisan group of five senators co-sponsored the bill, including Senators Heidi Heitkamp (D-ND), Dean Heller (R-NV), Mike Johanns (R-NB), Jerry Moran (R-KS), and Jon Tester (D-MT). Unfortunately, the Corker-Warner legislation is problematic and raises significant

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Issue Brief: The Consumer Financial Protection Bureau’s Amendments to the Ability-to-Repay Rule

By / / Research / 2 minutes of reading

The Consumer Financial Protection Bureau (CFPB) recently issued a series of amendments to the Ability-to-Repay rule, which is set to go into effect January 10, 2014. The rule, originally issued in January of this year, holds lenders legally responsible for acting in good faith and making a reasonable determination, before closing, that a homebuyer has

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?NCRC Lending Analysis: Report for Washington, DC

By / / Research / 1 minute of reading

May 15, 2013 Today, the National Community Reinvestment Coalition (NCRC) released an analysis of home and small business lending in Washington, DC. The analysis of 2011 Home Mortgage Disclosure Act data on lending from six major banks and the lending market as a group shows racial and gender disparities in home lending. The analysis found

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White Paper: The Foreclosure Crisis and its Impact on Communities of Color

By / / Research / 1 minute of reading

The Foreclosure Crisis and Its Impact on Communities of Color: Research and Solutions As the foreclosure crisis continues unabated, destroying wealth for American families and undermining the stability and vibrancy of communities, the National Community Reinvestment Coalition’s (NCRC) latest whitepaper serves as an in-depth investigation of the success and weaknesses of the major federal and

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White Paper: Impact of QRM on Home Opportunity in America

By / / Research / 2 minutes of reading

The Impact of the Proposed Qualified Residential Mortgage Definition on Home Opportunity in America Financial institutions will be exempt from the 5 percent risk retention requirement on certain types of mortgages, known as Qualified Residential Mortgages (QRMs). QRMs contain loan terms and practices that the regulatory agencies have determined are less likely to end up

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Rebuilding Communities in Economic Distress (REO Report)

By / / Research / 1 minute of reading

NCRC released its latest report: “Rebuilding Communities in Economic Distress: Local Strategies to Sustain Homeownership, Reclaim Vacant Properties, and Promote Community-Based Employment.” This report will be of interest to local community, housing and economic development entities and their stakeholders, as well as to policy makers at every level looking to replicate best practices in community

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NCRC Releases Safe & Sound Lending in Neighborhoods Study (Sept 2010)

By / / Research / 2 minutes of reading

Community Reinvestment Act Mitigates Damage to Communities Caused by Financial Crisis A new study by the National Community Reinvestment Coalition finds that Community Reinvestment Act (CRA) regulated lenders avoided significant decreases in lending accompanied by the current foreclosure crisis and severe recession. The study compared home and small businesses lending and bank branching in two

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Foreclosure Rescue Scams: A Nightmare Complicating the American Dream

By / / Research / 1 minute of reading

The report addresses the concerns surrounding foreclosure prevention rescue scams. The research study was conducted for a period of three months in mid-2009 using “fair lending matched pair testing” or mystery shopping” to assess the extent of the problem. Findings of the study demonstrate that an aggressive legislative solution and added public and private oversights

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Foreclosure Rescue Scams: A Nightmare complicating the American Dream” – A research study by NCRC

By / / Research / 1 minute of reading

Today, the National Community Reinvestment Coalition released a report addressing the concerns surrounding foreclosure prevention rescue scams. The research study was conducted for a period of three months in mid-2009 using “fair lending matched pair testing” or mystery shopping” to assess the extent of the problem. Findings of the study demonstrate that an aggressive legislative

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