NCRC ([link removed] )

Just News

for November 21, 2025

News and views from the National Community Reinvestment Coalition. Find more at ncrc.org ([link removed] ) .

For continuous updates, follow us on Twitter ([link removed] ) , Facebook ([link removed] ) , LinkedIn ([link removed] ) , Instagram ([link removed] ) and TikTok ([link removed] ) .

Announcement

2026 Just Economy Conference

Today is the last day to save with early bird discounted tickets! [Register Now ([link removed] ) ]

Views

Woodstock Institute Uses Data To Advocate For Community Reinvestment And Fair Lending Across Illinois

By Kaitlyn Ridel

Woodstock now operates as a research and policy advocacy nonprofit that focuses on fair lending, wealth creation and financial reform efforts to help low-income individuals and communities of color build economic security. The organization still serves as a convener, bringing together community members, philanthropic groups, financial institutions and policymakers to implement policy solutions in Illinois. [Read more ([link removed] ) ]

Sacramento Environmental Justice Coalition Fights For Cleaner Air And Health Equity In The City’s Most Marginalized Communities

By Nicole Rothstein

Due to Sacramento’s location in a mountain-locked valley, the pollutants produced from the city’s high amounts of traffic and industries become trapped, consistently earning it a top spot on the American Lung Association’s list for poor air quality.

Historically, racist policies have disproportionately exposed Sacramento’s marginalized populations – low-income residents, people of color, the elderly, immigrants and people with disabilities – to higher levels of pollutants for generations. [Read more ([link removed] ) ]

“You Can’t Out-Budget Poverty”: MakingChange, Inc. Helps People Overcome Financial Instability In Affluent Maryland

By Robert Davis

“Howard County is known as an affluent county, but we have a lot of New Americans here who moved here because of the great community benefits,” said MakingChange, Inc.’s Executive Director Jasmine Brewer. “But, oftentimes, the challenge that a lot of our clients face is that the cost of living does not meet what they’re earning.” [Read more ([link removed] ) ]

Research

Mortgage Market Report Series – Part 5: Top 50 Home Purchase Lenders Analysis For 2024

By Jason Richardson

By examining home purchase lending – the primary pathway for first-time homebuyers and those seeking to grow wealth through homeownership – we reveal a market dominated by non-bank mortgage companies. This market is plagued by a severe crisis in serving low- and moderate-income borrowers and characterized by troubling disparities in demographic access. [Read more ([link removed] ) ]

Comments

NCRC Comment In Opposition To Stripe Inc’s National Trust Charter Application

By NCRC

Granting Stripe a national trust bank charter would establish a fiduciary relationship between BNTB and consumers nationwide, allowing BNTB to offer custodial services, hold consumer funds, and manage settlements. The OCC must reject Stripe’s application for a national trust bank charter due to serious concerns regarding Stripe’s disregard for enforcement, governance, compliance, and consumer protection laws. [Read more ([link removed] ) ]

NCRC Opposes Sony’s Stablecoin Bank Application

By NCRC

A national trust charter would enable CTNA to hold consumer funds, offer custodial services, and manage settlements nationwide. The OCC must reject Sony Bank’s application for a national trust bank charter for CTN due to ongoing and serious concerns about the OCC’s chartering authority, regulatory arbitrage that will harm communities and consumers, systemic risk and mounting fraud concerns. [Read more ([link removed] ) ]

NCRC Comment In Opposition to Coinbase National Trust Charter Application

By NCRC

The OCC must reject Coinbase’s application for a national trust bank charter due to serious concerns regarding Coinbase’s disregard for enforcement, governance, compliance, and consumer protection laws. Granting Coinbase a national trust bank charter would establish a fiduciary relationship between the company and consumers nationwide, allowing Coinbase to offer custodial services and manage settlements. Therefore, it is imperative that the OCC reject Coinbase’s application. [Read more ([link removed] ) ]

Events

A United Native Voice: Speaking Truth, Shaping Policy

December 8, 8 am - 5 pm ET

Join NCRC CEO Jesse Van Tol at the 6th Annual Native CDFI Policy & Capacity Building Summit in Washington, DC. As federal policy continues to evolve, the voices of Native CDFIs are more important—and more powerful—than ever. This year’s theme, A United Native Voice: Speaking Truth, Shaping Policy, reflects a shared commitment to stand together, tell our stories, and shape the future of policy in ways that respect Tribal sovereignty, expand economic opportunity, and strengthen the path to economic independence for Native communities. [Register here ([link removed] ) ]

SNAP E&T Basics: Turning Public Benefits Into Pathways To Economic Stability

December 10, 1 - 2 pm ET

In the first of a 5-part series covering the essentials of SNAP E&T, NCRC’s Economic Mobility team will introduce the program’s basics. We will share how community-based organizations can evaluate their own employment, training, and support services for alignment with SNAP E&T requirements. The session will cover eligibility guidelines, program components, the distinction between state- and county-administered systems, importance of state plans, and key steps and timelines for third-party provider onboarding. [Register here ([link removed] ) ]

In The News

Sony Bank’s Crypto Push Sparks Fierce Opposition From US Banking Group

By Christian Encila, Bitcoinist

They called this a form of regulatory arbitrage and warned it could create unfair competition for smaller banks. The National Community Reinvestment Coalition also filed opposition, arguing the OCC lacks authority to treat a stablecoin issuer like a traditional bank and calling for stronger consumer protections. [Read more ([link removed] ) ]

Dive Deposits: CFPB Cries Poor But Also Tweaks Fair Lending, Data Collection

By Dan Ennis, Banking Dive

Jesse Van Tol, CEO of the National Community Reinvestment Coalition, called the proposal ”an outright assault on civil rights in lending.” “By gutting disparate impact analysis and banning race- or gender-based Special Purpose Credit Programs, this rule will effectively invite a return to redlining and exclusion,” Van Tol said in a statement. [Read more ([link removed] ) ]

On Our Radar

At USF, Experts Debate Potential Property Tax Measure: ‘This Is Policy Malpractice’

By Mitch Perry and Florida Phoenix, Creative Loafing Tampa

Gov. Ron DeSantis and CFO Blaise Ingoglia’s campaign to scale back or eliminate homesteaded property taxes drew a rebuke from a former Republican state lawmaker Wednesday night during a discussion with Ingoglia and tax policy experts. [Read more ([link removed] ) ]

‘Buy Now, Pay Later’ Is Expanding Fast, And That Should Worry Everyone

By Connie Loizos, TechCrunch

The statistics back up his unease. Buy now, pay later services have exploded to 91.5 million users in the United States, according to the financial services firm Empower, with 25% using the services to finance their groceries as of earlier this year, according to survey data released in late October by lending marketplace Lending Tree. [Read more ([link removed] ) ]

Resources

Work And Meet At The Just Economy Club

It's a DC hub for nonprofits and the social sector, around the corner from the White House. Move your team into a private office or host your meetings and events. [Read more ([link removed] ) ]

Learning & Training Hub

Register for NCRC's catalog of professional development courses. [Learn ([link removed] ) more ([link removed] ) ]

Research And Reports

We have an extensive library of research and reports that dates back many years! [View all ([link removed] ) ]

Fair Lending Tool

Use our interactive tool to produce a report on mortgages, small business lending and bank branch networks for any city, county or metro area in the nation. [Access the tool here ([link removed] ) ]

Sign And Share The Just Economy Pledge

Help us expand the movement for a Just Economy. [Sign and Share ([link removed] ) ]

Member Hub

NCRC members: Don't forget you have access to our member hub ([link removed] ) ! Learn more about membership here ([link removed] ) . You can join as an organization or an individual ([link removed] ) .

X ([link removed] )

Facebook ([link removed] )

LinkedIn ([link removed] )

Instagram ([link removed] )

Website ([link removed] )

TikTok ([link removed] )

Copyright © 2025 NCRC, All rights reserved.

Manage Preferences ([link removed] )

Copyright © 2025 NCRC, All rights reserved.

Manage Preferences/Unsubscribe ([link removed] )

National Community Reinvestment Coalition

740 15th St NW, Suite 400

Washington,DC xxxxxx