Research

Small businesses are the driving force behind job creation, yet many struggle to find the capital they need to survive and grow. Women and minority-owned businesses face additional impediments. Today, we’re pleased to announce a new NCRC study, “Does CRA Small Business Lending Increase Employment: an Examination on a County Level.” The study looks at over 500 counties around the country, exploring the national impact of Community Reinvestment Act on small business lending.

NCRC’s 2010 Survey on the Home Affordable Mortgage Program (HAMP)

NCRC Releases Analysis of How the Restoring the Financial Stability Act of 2010 needs to be Strengthened

NCRC releases a new report on fair lending performance of credit unions. The report analyzes several credit unions and compares them to bank service to working and minority communities. The study finds that credit unions lag behind banks on 64% of the fair lending indicators that were examined.” Click Here to View: NCRC’s Report “Credit

 Income is No Shield III: Gender/Race Disparities Report

 Click Here to view: NCRC’s Cover Letter  Click here to view: Politics and the subprime mortgage meltdown.  Click here to view: Black subprime disparity by congressional district.  Click here to view: Hispanic subprime disparity by congressional district.

 Income Is No Shield II

 Income Is No Shield II

 High Cost Lending on Indian Reservations – Watch Out if You Are Buying a Home

 The Broken Credit System: Discrimination and Unequal Access to Affordable Loans by Race and Age

 Homeownership and Wealth Building Impeded

 The 2004 Fair Lending Disparities: Stubborn and Persistent

 The 2005 Fair Lending Disparities: Stubborn and Persistent II

 Inequalities in Small Business Lending by Income and Race of Neighborhood

 The CRA and Fair Lending Performance of Major Banks in New Orleans