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Just News

for December 19, 2025

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

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Views

Building Roots And Prosperity: African Community Housing & Development Secures Hundreds Of Housing Units For Seattle’s African Community

By Maya McKenzie

ACHD’s work is multi-faceted and recognizes that economic stability must be approached holistically. To achieve this, the organization offers housing, business support, workforce training, financial literacy education and cultural preservation services free of charge to the communities they serve – all aimed at addressing the root causes of racial and economic inequities in the greater Seattle area. [Read more ([link removed] ) ]

Arkansas Agency Empowers Low-Income Residents To Become First-Time Homebuyers

By Kaitlyn Ridel

MCAEOC is one of 15 community action agencies in the state that were established under the 1964 Economic Opportunity Act, which carries out social programs aimed at combating poverty. The organization is also a US Department of Housing and Urban Development (HUD)-approved housing counseling agency that provides financial education services for Mississippi County residents. [Read more ([link removed] ) ]

How Misuse Of The Trust Bank Charter Model Will Lead To More Financial Woes For Communities

By Timantha Goff

The nation’s largest crypto firms are looking to consolidate their power to the detriment of their customers and communities already lacking vital consumer protections and economic development opportunities. As more and more digital currency companies are vying for financial legitimacy by becoming a national trust bank via the Office of the Comptroller of the Currency [Read more ([link removed] ) ]

“Providing Support For Everyday Needs”: How ¡HICA! Advances Economic Equity In Alabama

By Robert Davis

Immigrant households often face significant challenges in their pursuit of financial stability, from learning a new language to better their chances of finding work to navigating their new country’s court system. It was these challenges that inspired advocates in Birmingham, Alabama to create the Hispanic and Immigrant Center of Alabama (¡HICA!). [Read more ([link removed] ) ]

News

NCRC Statement: OCC Cryptocurrency Charters Create “Banks In Name Only” That Will Prey Upon Consumers, Damage Economy

By NCRC

Granting these cryptocurrency charters creates a new and frightful category of banks-in-name-only – institutions that can take on bank-like powers and public credibility without the core public-interest obligations communities rely on, including meaningful community reinvestment, fair lending accountability, and strong consumer protections. [Read more ([link removed] ) ]

Research

Historic Redlining’s Effects On Home Mortgages Today

By Bruce C. Mitchell

The study uses a new metric developed by Dr. Chen, the Mortgage Density Index (MDI) to determine how many loans a racial group receives compared to that group’s percentage makeup within a neighborhood. The study found that racial disparities in mortgage access for Black households hasn’t improved over the past three decades. [Read more ([link removed] ) ]

No Christmas Miracle This Year: December 2025 Race, Jobs And Economy Update

By Joseph Dean

The end of the longest government shutdown in American history means the resumption of the long-awaited monthly economic data releases from the Bureau of Labor Statistics (BLS). However, the November BLS jobs report and a number of other noteworthy economic data releases ([link removed] ) have been delayed for weeks. What we know about the state of the labor market and the broader economy has come primarily from private data sources in the interim. [Read more ([link removed] ) ]

Reports

Mortgage Market Report Series – Part 6: How Major Builders Serve Their Communities

By Jason Richardson

This article of the Mortgage Market series examines how effectively eight major homebuilder mortgage companies serve their communities when financing new home loans. When you buy a newly built home, you often get your mortgage through the builder’s own lending company. These builder-lenders have become increasingly important as non-bank lenders firmly dominate home purchase lending across the country. [Read more ([link removed] ) ]

With the Stroke of a Pen: The Devastating Impacts Of Executive Orders On Community & Economic Development Nonprofits

By Timantha Goff and Jad Edlebi

Nonprofit-driven economic development projects are being halted as a consequence of executive orders targeting the sector. Uncertainty and fear are disrupting day-to-day operations at nonprofit organizations as the direct impact of executive orders is compounded by a retreating philanthropic sector. [Read more ([link removed] ) ]

Comments

NCRC’s Comment On The CFPB’s Proposed Rule To Strip Section 1071 Data Collection

By NCRC

The 2023 rule that the CFPB implemented fulfilled its statutory mandate of creating a robust database on small business lending. The data would provide enough details on the characteristics of the small businesses and their locations so that analysts and stakeholders could determine whether women-owned and minority-owned small businesses were receiving credit. [Read more ([link removed] ) ]

NCRC’s Comment On The CFPB’s Proposed Rule To Undermine The Equal Credit Opportunity Act (Regulation B)

By NCRC

Intent in discrimination may not be explicitly obvious and can be difficult to prove. Certain policies that are facially neutral may unnecessarily or arbitrarily exclude socially disadvantaged groups from fair and equal access to credit, and the disparate impact standard helps to identify such policies and mitigate those unwarranted disparities. [Read more ([link removed] ) ]

Events

Group Counseling Session: Creating Stunning Marketing Materials In Canva

December 17 , 10:00 am ET – 12:00 pm ET

Learn how to create stunning designs efficiently using Canva for Business. Discover tips, tricks, and advanced techniques to elevate your design game and create impactful visuals for your brand. Come ready to immerse yourself in an interactive environment where you can actively participate, ask questions, and engage with fellow business attendees. [Register here] ([link removed] )

2026 Just Economy Conference

April 14-15

Don’t wait to ensure your spot at the leading national conference for economic and social justice leaders who fight for an economy where all Americans can build wealth and provide for their families. [Register now ([link removed] ) ]

On Our Radar

Planned Affordable Housing Project In Arlington Will Be ‘Disability Forward’

By Luke Lukert, WTOP News

Finding appropriate housing if you have a disability can be difficult and expensive in the D.C. area. Melwood is hoping to help change that once the nonprofit converts its Arlington, Virginia, headquarters into a mixed-use building focused on inclusive housing. [Read more ([link removed] ) ]

St. Pete Allows Housing On Church Land, A Florida First

By Diana Ionescu, Planetizen

The state law requires that at least 10 percent of the homes in a project are deemed affordable, but does not provide further details on review processes or development standards. St. Pete’s new ordinance establishes regulations including height limits, density, parking, and design. [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] ) .

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