News
NCRC, Morgan Stanley Announce $15 Billion Plan To Increase Lending And Investments In Lower-Income Communities
On Thursday, the National Community Reinvestment Coalition (NCRC) and Morgan Stanley announced a $15 billion, four-year community benefits plan that will increase the financial services company’s lending and investments in lower-income communities. [Read more]
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Research
Redlining and Neighborhood Health
New NCRC report shows that there is a higher prevalence of COVID-19 risk factors in historically “redlined” neighborhoods. This paper is one of the first of its kind to examine historical redlining in cities across the nation on numerous present-day neighborhood health outcomes. [Read more]
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Views
Mapping Inequality: There Were No Dog Whistles, The Racism Was Loud And Clear.
By Robert K. Nelson, University of Richmond Digital Scholarship Lab
It’s not too simple to say that governmental housing policies that endorsed and promoted segregation and racism had a profound and lasting legacy that we can still see in the landscape of American cities today. [Read more]
Environmental Justice And COVID-19: Some Are Living In A Syndemic
By Rita T. Harris, Sierra Club
NCRC's new report highlights the national impact of redlining and segregation on the health of Black communities. Here's how those findings relate to the history of racism and environmental justice with a focus on Memphis. [Read more]
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Field Notes
Grandparents: A Renewed Role As Parents To Grandchildren
By Roxana Ruiz
With Grandparents Day fast approaching this Sunday, September 13, it is a time to honor the role grandparents play, as well as call attention to the adverse effects the current coronavirus pandemic poses to older adults. [Read more]
A Just Economy Requires A New Civil Rights Movement
By Maxim Applegate
Richard Rothstein outlines what’s necessary to undo residential segregation in NCRC’s Just Economy Series. [Read more]
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Resources
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]
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]
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Upcoming Events
Credit Report Basics (Explaining a Credit Report)
September 16, 2:00pm - 3:30pm ET
Join NCRC's Training Academy as we help housing counseling practitioners understand a credit report as well as how to explain it to their clients. [Register now]
Nonprofits Sustainability
September 22, 2:00pm - 3:30pm ET
Join NCRC as we discuss developing a sustainability plan to meet long-term goals that help diversify revenue sources for your organization. [Register now]
Mayors For A Guaranteed Income
September 29, 2:00pm - 3:30pm ET
Join NCRC for a discussion of guaranteed income joined by:
- Mayor Chokwe Antar Lumumba, Jackson, Mississippi
- Mayor Satya Rhodes-Conway, Madison, Wisconsin
- Mayor Michael D. Tubbs, Stockton, California
[Register now]
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In the News
The Long History Of Redlining Makes COVID-19 Worse For Black Americans
By Yasmin Tayag, OneZero
A new report released by the National Community Reinvestment Coalition (NCRC), a nonprofit fighting to end discrimination in lending, housing and business, shows that people in neighborhoods that were redlined over 80 years ago are at a higher risk of severe illness or death from COVID-19. [Read more]
For The First Time, America May Have An Anti-Racist Majority
By Adam Serwer, The Atlantic
The National Community Reinvestment Coalition conducted an experiment in which White and Black subjects requested information about loans to help keep their small businesses open during the pandemic. It found that White requesters received favorable treatment—were offered more loan products, and were more likely to be encouraged to apply for them—compared with Black requesters. [Read more]
Is The Pandemic Priming Neighborhoods For A New Wave Of Gentrification?
By Alex Temblador, Dwell
For gentrification to occur, two things must happen. For one, "you have to have an area that has very low values on residential real estate, which involves disinvestment and [maybe] abandonment of certain areas," says Bruce Mitchell, a senior analyst for the National Community Reinvestment Coalition (NCRC). [Read more]
Equity, Not Equality, Is The Key To Closing The Wealth Gap
By Shonda Scott, Swaay
A 2017 study by the National Community Reinvestment Coalition found that banks were twice as likely to provide business loans to White applicants than Black applicants, and three times as likely to have follow-up meetings with White applicants than even more qualified Black applicants. [Read more]
How Redlining Made City Neighborhoods Hotter
By Nora McGreevy, Smithsonian Magazine
Redlining was one in a series of governmental practices that effectively segregated city blocks by race and income level. As a 2018 study by the National Community Reinvestment Coalition found, these racist practices diverted resources away from poorer neighborhoods and deepened economic inequality, with consequences that continue to this day. [Read more]
Pandemic Hit Black-owned Businesses Harder
By Vandana Ravikumar, Ahwatukee Foothills News
A 2019 study by the National Community Reinvestment Coalition provides a possible explanation: Researchers found banks treat Black applicants different from White applicants, encouraging White business owners to apply for one or more loans while discouraging Black business owners from applying for any. [Read more]
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On Our Radar
US Unemployment Decreased In August—For Young Black Women It Rose To 27%
By Emma Hinchliffe, Fortune
Young Black women remain one of the few groups experiencing increased joblessness as the broader economy recovers. [Read more]
Who Are You Calling Latinx?
By Graciela Mochkofsky, New Yorker
“Latinx” is the most recent chapter in the saga of trying to label a population that has pushed back against every previous attempt to name it. [Read More]
What’s Missing From Corporate Statements On Racial Injustice? The Real Cause Of Racism.
By Amber M. Hamilton, MIT Technology Review
An analysis of 63 recent statements shows that U.S. tech companies repeatedly placed responsibility for racial injustice on Black people. [Read more]
Zoom Towns And The New Housing Market For The 2 Americas
By Greg Rosalsky, NPR
The Truckee housing market is booming during the coronavirus pandemic. It's up over 23% since last year, according to data from Redfin, a real estate brokerage. Truckee is part of a trend that realtors and journalists are calling "Zoom towns," places that are booming as remote work takes off. [Read more]
Opinion | One City. Two Neighborhoods. A 30-Year Gap In Life Expectancy.
By Alec Soth, The New York Times
Babies do not choose where they are born. But their parents’ ZIP code has a shocking bearing on the quality and length of life they can expect to live. Here’s a look at two of the extremes. [Read more]
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#AfterThis: A Virtual Hug
Here's something new and different from NCRC to encourage hope, creativity and a Just Economy: afterth.is.
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