Views

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

NCRC And Its Members Expand Fair Banking Options In Underserved Communities

By / / Views / 6 minutes of reading

Imagine relying solely on predatory payday lenders or prepaid debit cards to secure the funds needed to meet your daily expenses. This is the reality for the 5.6 million households in the United States without access to the financial services that a bank or credit union can provide to historically underserved communities.  Whether it’s an […]

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A Conversation At The 2025 Just Economy Conference, The Future of Consumer Protection With Adrienne A. Harris

By / / NCRC Videos, Views / 14 minutes of reading

A conversation between New York State Department of Financial Services Superintendent Adrienne A. Harris and NCRC Chief Policy Counsel Eden Forsythe at the Just Economy Conference on March 26, 2025

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Recap: Highlights from the 2025 Just Economy Conference

By / / Views / 5 minutes of reading

Nearly 1,200 community development leaders, practitioners, policymakers, industry professionals and NCRC members from across the nation gathered at the 2025 Just Economy Conference March 26-27 in Washington, DC. They made new connections and shared knowledge on fair lending practices, climate resilience efforts, housing equity work and many other topics. The conference main stage featured appearances

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A First Look at the Intersection of Mortgage Lending and Race in 2024

By / / Research, Views / 5 minutes of reading

On March 31, 2025, the Consumer Financial Protection Bureau (CFPB) released the latest data on mortgage lending in the United States covering activity from 2024. This annual dataset is essential for advocates, regulators, policymakers at all levels and lenders who seek to understand lending trends and disparities. Despite political efforts to weaken the CFPB and

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Odds of Recession Rise While Tariffs Dampen Consumer Outlook: March 2025 Race, Jobs and the Economy Update

By / / Research, Views / 5 minutes of reading

Analysis of Topline Figures in the March BLS Report In February, the economy added 151,000 jobs, while the unemployment rate ticked up to 4.1%.  Although the topline figures are relatively solid, especially considering the current tumultuous political climate, the report does contain some concerning red flags.  The government sector only added 11,000 jobs, while the

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How Effective Public-Private Housing Partnerships Could Provide Relief for Housing Insecure Students and Residents

By / / Views / 5 minutes of reading

The unincorporated community of Isla Vista, California, is home to just 15,500 people, but its population density rivals that of Los Angeles. This small strip of coast boasts uninterrupted views of the Pacific — and some of the highest housing prices in the nation. While the main University of California-Santa Barbara (UCSB) campus is to

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The Federal Workforce, The Creation of the Black Middle Class, and its Tenuous Future: A Black History Month Reflection

By / / Views / 6 minutes of reading

In 1926, historian and author Dr. Carter G. Woodson and the Association for the Study of African American Life and History (ASALH) established Negro History Week to celebrate the achievements of Black Americans and to foster a sense of collective memory for a people facing constant dehumanization. The ASALH has chosen the theme of “African

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Trump’s Federal Funding Freeze Devastated Nonprofits. Was It Legal? 

By / / Views / 5 minutes of reading

President Trump ordered a funding freeze on numerous federal programs that provided financial assistance for “foreign aid, nongovernmental organizations, DEI, woke gender ideology and the Green New Deal”, according to a memo released by the Office of Management and Budget. The order immediately impacted several nonprofit and nongovernmental organizations that receive federal funding to carry

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