Just News

for December 19, 2025

News and views from the National Community Reinvestment Coalition. Find more at ncrc.org.

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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] 

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] 

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]

“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]

News

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

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] 

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 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] 

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]

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

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]

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]

Events

On Our Radar

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]

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]

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]

Learning & Training Hub
Register for NCRC's catalog of professional development courses. [Learn more]

Research And Reports
We have an extensive library of research and reports that dates back many years! [View all]

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]

Sign And Share The Just Economy Pledge
Help us expand the movement for a Just Economy. [Sign and Share]

Member Hub
NCRC members: Don't forget you have access to our member hub! Learn more about membership here. You can join as an organization or an individual.