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** Just News
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for July 2, 2020

News and views from the National Community Reinvestment Coalition. Find more at ncrc.org. For continuous updates, follow us on Twitter ([link removed][UNIQID]) and Facebook ([link removed][UNIQID]) .


** News
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Trump Threatens To “End” An Anti-Segregation Rule That’s Already Crumbling Under His Administration
In a tweet on Tuesday, President Trump threatened a vital piece of the 1968 Fair Housing Act (FHA). The 2015 Affirmatively Furthering Fair Housing (AFFH) rule finally addressed and strengthened the FHA requirement that the government do something to end housing discrimination and segregation. [Read more] ([link removed][UNIQID])

FHFA Proposes New Regulatory Capital Framework For GSEs
On Tuesday, the Federal Housing Finance Agency (FHFA) published a proposed rulemaking that creates a new regulatory capital framework for Fannie Mae and Freddie Mac, known together as the government-sponsored enterprises (GSEs). [Read more] ([link removed][UNIQID])

NCRC Applauds House Passage Of Resolution To Save Anti-Redlining Law
On Monday, the House of Representatives voted to pass H.J. Res 90, which disapproves of the Office of the Comptroller of the Currency’s (OCC’s) new Community Reinvestment Act (CRA) rules. If the resolution is passed into law, it would make the CRA final rule null and void. [Read more] ([link removed][UNIQID])

NCRC Statement On Supreme Court Consumer Financial Protection Bureau Ruling
On Monday, the Supreme Court ruled that the Consumer Financial Protection Bureau’s (CFPB) structure is unconstitutional. The ruling ended what was supposed to be the director’s total independence from the president, by giving the president the authority to fire the director at will. [Read more] ([link removed][UNIQID])

Mortgage Data Reveals Disparities In Same-Sex Lending
Same-sex couples paid higher interest rates and closing fees on home loans, a new analysis found. [Read more] ([link removed][UNIQID])


** Field Notes
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The Expansion Of Telemedicine Underscores Existing Disparities In Healthcare Access
The COVID-19 pandemic has led to an increased use of telemedicine, demonstrating the benefits of remote care. It has also amplified disparities in healthcare. [Read more] ([link removed][UNIQID]&mc_cid=30ceab89fc&mc_eid=[UNIQID])

The Queer Inequities In LGBTQ+ Health
LGBTQ+ individuals face an growing range of health inequities when age, race and ethnicity are held constant. As social determinants of health, issues like financial security and fair housing play a large role in the fight for health equity. [Read more] ([link removed][UNIQID]&mc_cid=30ceab89fc&mc_eid=[UNIQID])


** Views
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The OCC’s New Emphasis On Essential Infrastructure Will Divert Banks From Low- And Moderate-Income Neighborhoods
The poorly conceived addition of infrastructure as eligible community development will at best be under-utilized and at worst a giant sucking sound draining resources from LMI neighborhoods and even threatening some of them with physical destruction. [Read more] ([link removed][UNIQID]&mc_cid=30ceab89fc&mc_eid=[UNIQID])

OCC Cracks Open A Debt Trapdoor
In the middle of a worldwide pandemic and national crisis, the Office of the Comptroller of the Currency (OCC) has taken steps that could undermine the ability of states to protect their residents from the perils of high-cost loans. [Read more] ([link removed][UNIQID])


** Resources
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Resources To Help Support The Black Lives Matter Movement
If you are interested in supporting Black Lives Matter, these resources may be helpful for you. [Read more] ([link removed][UNIQID])

NCRC COVID-19 Resource Page
We've compiled and are updating an index of COVID-19 resources for communities, small businesses, individuals and organizations that serve them, such as housing counseling agencies. [Read more] ([link removed][UNIQID])


** Webinars
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Research Walkthrough - NCRC May Branch Change Report
July 13, 1-1:30 pm ET
Join NCRC’s Director of Research & Evaluation, Jason Richardson, for a breakdown of monthly branch closures. [Register now] ([link removed][UNIQID])

Housing Counseling Network (HCN) Open Enrollment Information Session
July 15, 2-3 pm ET
This webinar is for all agencies providing housing counseling services that are interested in joining NCRC's Housing Counseling Network. [Register now] ([link removed][UNIQID])


** In the News
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House Rejects OCC Change To Bank Discrimination Rule
Even if the joint resolution dies in the Senate as expected, the rule change won’t be completely in the clear: The National Community Reinvestment Coalition is suing to block it, saying the OCC didn’t provide enough consideration to public feedback. [Roll Call] ([link removed][UNIQID])

ICYMI: Sens. Menendez, Brown Introduce Bill To Support Homeowners, Renters Struggling Amid COVID-19 Pandemic and Economic Fallout
“As the COVID-19 pandemic continues to spread across the United States, slowing efforts to reopen the economy in many communities, it is critical that the federal government provide the necessary support for families and individuals worried if they will be able to stay in their homes,” said Jesse Van Tol, CEO of the National Community Reinvestment Coalition. [U.S. Senate Committee on Banking, Housing, and Urban Affairs] ([link removed][UNIQID])

Call Your Mother Removes Menu References To Black Celebrities After Instagram Backlash, Conversations With Staff
A 2019 study from the National Community Reinvestment Coalition showed about 40% of Washington’s low-income neighborhoods experienced gentrification from 2000 to 2013, representing the greatest “intensity of gentrification” of any city in the country. [Eater DC] ([link removed][UNIQID])

Legislation To Reverse CRA Changes Approved By House
A joint statement from the National Community Reinvestment Coalition and several consumer protection and civil rights organizations said the OCC’s rule included “gaping loopholes” and included an “overly simplistic metrics system” that would allow banks to meet CRA requirements “while leaving too many credit needs unmet for underserved consumers and neighborhoods.” [DS News] ([link removed][UNIQID])

The Architects Of Systemic Racism
Architecture is never neutral; it either heals or hurts. According to a study by the National Community Reinvestment Coalition, three out of four neighborhoods that were redlined on government maps 80 years ago continue to struggle economically. [The Architizer] ([link removed][UNIQID])

White Supremacy Is The Pre-existing Condition: Eight Solutions To Ensure Economic Recovery Reduces The Racial Wealth Gap
The impacts of the COVID-19 pandemic have exacerbated the concentration of wealth in the United States, and emergency measures as well as structural change are urgently needed to address the widening racial wealth gap, a report from Inequality.org, a project of the Institute for Policy Studies, and the National Community Reinvestment Coalition, argues. [Philanthropy News Digest] ([link removed][UNIQID])


** On Our Radar
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"Not On Our Watch": AOC, In Powerful Floor Speech, Declares House Democrats Will Protect Civil Rights Law From Trump
"Over the last several weeks, our nation has been gripped by the uprising against anti-Black racism and systemic racial injustice across the United States," Ocasio-Cortez said. "But there is a difference between saying that we believe in the inherent dignity, equality and value of our Black brothers and sisters and actually committing to it. And the Community Reinvestment Act is one such commitment." [Common Dreams] ([link removed][UNIQID])

Anti-Redlining Revamp Best Left for ‘Peacetime,’ FDIC Chair Says
The FDIC won’t join a fellow banking regulator in revamping anti-redlining rules as long as the COVID-19 pandemic continues, the agency’s chairman Jelena McWilliams said Friday. [Bloomberg Law] ([link removed][UNIQID])

Elizabeth Warren Introduces Bill for Nationwide Eviction Moratorium
Sen. Elizabeth Warren (D-MA) introduced legislation Monday to extend and expand a nationwide eviction moratorium to protect tenants who may be struggling to pay rent during the coronavirus pandemic. [ ([link removed]) Vox ([link removed][UNIQID]) ]
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My Landlord Is Threatening To Evict Me During A Health And Economic Crisis. What Do I Do?
Many states haven’t fully reopened yet, but housing courts have. Here’s what to do if your landlord is trying to evict you. [Buzzfeed News] ([link removed][UNIQID])

#AfterThis: A Virtual Hug
Here's something new and different from NCRC to encourage hope, creativity and a Just Economy: afterth.is ([link removed][UNIQID]) .
New to NCRC? Here's our story. ([link removed][UNIQID])
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