Analysis and points of view on research, trends, issues, ideas and opportunities.
The White House is cracking down on biased and discriminatory home appraisal practices. Here’s what that means.
PAVE Task Force Action Plan to Address Appraisal Bias Is A Bold Leap Forward Read More »
Though remote work productivity skyrocketed in many ways during the pandemic, there is a trend to return to the old normal. The needs of working mothers are still not top of mind for many companies. The difference now is that women are not eager to return to antiquated workplaces that don’t work for them.
To Achieve a Truly Just Economy, We Need to Prioritize the Needs of Working Mothers Read More »
President Biden’s Supreme Court pick is not only eminently qualified, but ready to bring important fresh perspectives to the bench.
Ketanji Brown Jackson Should Be Confirmed To The Supreme Court Read More »
The Community Reinvestment Act is getting its first major overhaul since the 1990s. What should be changed, and how?
Reforming the Community Reinvestment Act to Meet 21st Century Challenges Read More »
America’s racial reckoning must include the savage inequalities facing Native Americans.
The Nation Needs to “Reckon” With the Economic Marginalization of Native Americans Read More »
The philosophy behind Section 1071 is similar to that of the Home Mortgage Disclosure Act (HMDA) data: the public release of data will identify which lenders are making good faith efforts to serve small businesses and which lenders lag their peers, encouraging the laggards through public accountability to increase their lending to traditionally underserved businesses. We expect a similar benefit from Section 1071 in narrowing the significant racial and gender disparities present in small business lending.
Residential segregation is embodied in a very real way in the health and life expectancy of people living in formerly redlined areas today
Explainer: Why we created a new method for measuring the impact of redlining Read More »
The mid-20th Century Black freedom struggle has yet to attain its aims. Political and economic reforms are necessary to jump-start progress on racial equality that has been stalling for the last over 50 years. Taking down barriers to voting is an important part of these reforms.
The Need for Black Electoral and Economic Power Read More »
NCRC members sound off on how looming regulatory decisions on data rules affect their work, their neighbors, and their communities.
The Home Mortgage Disclosure Act (HMDA) data that the Consumer Financial Protection Bureau (CFPB) is required by law to gather does not allow borrowers to identify themselves by sexual orientation. However, the co-applicant data can be used to identify loans made to couples of the same gender.
Gender And Same-Sex Status in Home Mortgage Lending Read More »
Banks help other lenders get around state laws to facilitate abusive puppy mills and trap pet owners in predatory loans. Federal regulators can put a stop to it.
Lend Us a Paw: Ask the FDIC to Close the Rent-a-Bank Loophole Read More »
A review of mortgage data from 2020 reveals how the private lending market continues to inadequately serve most households of color. This is despite government-backed mortgages designed to assist low- and moderate-income (LMI) households. To solve this ongoing and enduring failure, the National Community Reinvestment Coalition (NCRC) recommended a set of actions by federal bank regulators,
The Failure of the Private Mortgage Market Read More »
Making a meaningful dent in the level of structural racial economic inequality in this country requires change throughout the US finance system—in our financial regulations, within our financial institutions, and in the lending and investments done by financial institutions.
Goodbye “Race Neutrality”—The Case for Race-Conscious Economic Policy Read More »
As has been true throughout my life, the words of Dr. King, though written over 50 years ago, speak clearly to the times I am living in.
Dr. King’s Testament of Hope Amidst Melancholy and Discouragement in 2022 Read More »
