Analysis and points of view on research, trends, issues, ideas and opportunities.
Conditions in our environment where we live, work, learn and play affect a range of health outcomes. Now, faced with a global pandemic, we may soon learn just how detrimental viral diseases may be for struggling communities.
Coronavirus and the Social Determinants of Health Read More »
This article originally appeared on Shelterforce. A closer look at the relationship between health and the home repair needs of lower-income households. Medical and public health research has established clear and persuasive links between poor housing conditions and negative outcomes for residents’ physical and mental wellbeing. Inadequate housing can exacerbate chronic health issues, expose occupants to
Why Organizations Should Invest in Home Repairs to Improve Health Read More »
Earlier this year, the U.S. Department of Housing and Urban Development (HUD) proposed a new AFFH rule that would reverse years of progress by no longer enforcing meaningful community participation in the fair housing planning process.
HUD’s Proposed AFFH Rule Would Set Back Years of Progress Read More »
There are nearly 50 million African Americans in the U.S. today. Though the African American population continues to rise, their share of the nation’s wealth isn’t keeping up, according to the National Community Reinvestment Coalition’s recent African American Racial Wealth Divide Snapshot.
Does This Economy Work for Black Americans? Read More »
Proper implementation of Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act would reveal who is receiving small business loans and where they are located.
Could Adequate Small Business Lending Data Be on the Horizon? Read More »
People experiencing homelessness in rural areas are often referred to as the “hidden homeless.”
Rural America Is Also Facing An Affordable Housing Crisis Read More »
A cardinal rule of any rulemaking is that a federal agency must use data and analysis to assess the impact of its proposed changes to a regulation. Based on NCRC’s analysis so far, it appears that the OCC and FDIC have flagrantly violated this fundamental rule.
Could Lack of Impact Assessment in OCC and FDIC Proposal Break CRA? Read More »
Entrepreneurship is a capital-intensive experience which makes it quite challenging for those with little access to capital to pursue.
I fell for America’s white lie, entrepreneurship Read More »
(Download) In December 2019, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) issued a notice of proposed rulemaking (NPRM) that would considerably weaken the regulations implementing the Community Reinvestment Act (CRA), a law designed to combat redlining by requiring banks to affirmatively and continually meet community needs
Here are some of the most absurd examples of what would qualify for Community Reinvestment Act (CRA) credit under rule changes proposed by regulators.
Good afternoon Chairman Meeks, Ranking Member Luetkemeyer and the Members of the House Subcommittee on Consumer Protection and Financial Institutions. Thank you for the opportunity to testify and for convening this important hearing on the Community Reinvestment Act (CRA) to discuss the winners and the losers in the proposed rulemaking formally published last week by
The U.S. Department of Housing and Urban Development (HUD) published today and opened up for public comments a plan to radically change the AFFH rule.
Comment Period for AFFH Notice of Proposed Rulemaking Now Open Read More »
In anticipation of the reform proposals to the Community Reinvestment Act (CRA) expected this week, I am continuing the review of performance measures on CRA exams. The most recent blog looked at performance measures on the lending test. This one will scrutinize performance measures on the investment and service test.
How to Evaluate Community Development Financing and Services Under CRA Read More »
As we get closer to proposed changes to the Community Reinvestment Act (CRA), a sober assessment of the effectiveness of various parts of CRA exams will help us react to the proposed changes.
Do CRA Exams Measure Retail Lending Well? Read More »
Boldly called “The Future of the Community Reinvestment Act,” the publication has a series of articles examining retail lending, community development financing and branching of banks.
