Views

Analysis and points of view on research, trends, issues, ideas and opportunities.

Environmental Justice and COVID-19: Some are Living in a Syndemic

By / / Views / 14 minutes of reading

Like most American cities, Memphis has a long history of racist housing and environmental policies. As this report from NCRC and its university partners shows, this history has real world impacts today, resulting in worse health outcomes for Black neighborhoods, shorter lifespans, poorer overall health and greater risk of several complications due to COVID-19. 

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Why the Community Reinvestment Act should be expanded broadly across the financial industry

By / / Views / 11 minutes of reading

An antidote to discrimination, the Community Reinvestment Act says banks have an affirmative obligation to serve all communities. It’s time to extend that obligation to all of the financial sector, including insurance, securities and non-bank mortgage lenders.

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NCRC, Two Other Advocacy Groups, File Joint Amicus Brief in Lacewell v. OCC

By / / Views / 8 minutes of reading

Last week, the National Community Reinvestment Coalition (NCRC) joined with the Center for Responsible Lending (CRL) and the National Consumer Law Center (NCLC) to file an amicus brief in the Office of Comptroller of the Currency (OCC)’s appeal in Lacewell  v. OCC  in the federal Second Circuit Court of Appeals.  

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Federal Regulators Should Refrain From Making a True Lender Rule

By / / Views / 6 minutes of reading

In the coming weeks, we expect the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) to propose a rule for the “true lender” doctrine, an act that will have a negative impact on the ability of states to protect their residents from high-cost lending.

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COVID-19 and the CFPB Consumer Complaint Database

By / / Views / 8 minutes of reading

Local businesses are devastated and state agencies overwhelmed as people stay at home to preserve their health and apply for government assistance to maintain financial solvency. An unexpected side effect of this was a simultaneous increase in consumer complaints filed with the Consumer Finance Protection Bureau (CFPB).

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