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Just News

for January 30, 2026

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

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Views

New Report Finds That Economic Conditions Are Deteriorating For African Americans

By Joseph Dean

Coinciding with the Dr. Martin Luther King Jr. Holiday, the Joint Center for Political and Economic Studies released its annual State of the Dream report ([link removed] ) . Named after Dr. King’s famous “I Have a Dream Speech,” the report highlights the deteriorating conditions facing African Americans heading into 2026. NCRC economist Joseph Dean contributed to the report’s section entitled “Black Homeownership and Housing Policy”. [Read more ([link removed] ) ]

“Neighborhoods Have A Say”: Working In Neighborhoods Works To Create Economic Opportunity For All In Cincinnati

By Robert Davis

Attracting new investments in lower-income neighborhoods can feel like a Sisyphean challenge for many communities. But, there is a group that seems to have found a magic formula for combining the best efforts of community leaders, elected officials and policy professionals to create lasting change. [Read more ([link removed] ) ]

Unlocking Wealth On Trust Land: NCRC Member Helps Tribal Families Gain New Paths To Homeownership

By Nicole Rothstein

Homeownership isn’t just part of the American dream – it’s a critical tool for building wealth and financial security. Because unique federal rules and regulations make it harder for tribal communities to achieve homeownership, the Tribal Homeownership Coalition of the Southwest is working to bridge that gap. [Read more ([link removed] ) ]

Research

In A New Year, Old Uncertainties Remain: January 2026’s Race, Jobs And The Economy Recap

By Joseph Dean

2025 was a year of slowing job gains, a bifurcated consumer economy and trade war uncertainties. These negative trends will likely continue and intensify in 2026. The last jobs report for the year produced by the Bureau of Labor Statistics only further confirms the anemic nature of the jobs market. [Read more ([link removed] ) ]

Mortgage Market Report Series – Part 7: Investor Lending Analysis

By Jason Richardson

2025 NCRC Mortgage Market Series PART 7: Investor Lending Analysis This report tracks investor lending for second homes and rentals—showing volatility, concentration in Florida/vacation markets, and large demographic gaps. [Read more ([link removed] ) ]

Comments

NCRC Comment in Opposition to PayPal Holdings Inc. Application for Federal Deposit Insurance

By NCRC

The National Community Reinvestment Coalition appreciates the opportunity to comment on PayPal Holdings Inc.’s application for deposit insurance, which is being submitted in conjunction with PayPal’s application to the Utah Department of Financial Institutions for an industrial bank charter (also known as an industrial loan corporation or “ILC”) to establish PayPal Bank. Because the FDIC’s review of the deposit insurance application is a critical component of the overall ILC chartering process, we urge the FDIC to reject this application. [Read more ([link removed] ) ]

NCRC’s Comment On The OCC’s Proposed Community Bank Licensing Rule

By NCRC

The National Community Reinvestment Coalition opposes the Office of the Comptroller of the Currency’s proposal to streamline the licensing requirements and processing timeline for community banks’ applications. Mergers, change in control, and branch-related applications represent significant changes for banks that impact their abilities to meet community needs and operate in a safe and sound manner. If agencies conduct cursory reviews of these applications, they are likely to fail in their requirements to ensure that banks confer public benefits. [Read more ([link removed] ) ]

Videos

SNAP E&T Basics Part 2: Infrastructure & Staff Requirements

By NCRC

We walk through the SNAP E&T work components and reimbursable support services. Then we assess if your staff capacity and tracking systems position your organization for success as a third-party partner. This includes reviewing the administrative infrastructure needed to successfully operate a SNAP E&T program such as participant tracking systems, service documentation requirements, and eligibility verification processes. [Watch here ([link removed] ) ]

Events

Fair Housing In Action: Preventing Bias And Advancing Equity

February 12, 2 - 3:30 pm ET

Fair Housing in Action: Preventing Bias and Advancing Equity provides a practical overview of fair housing laws and compliance responsibilities. The course focuses on identifying and preventing bias while reinforcing legal and ethical obligations to provide equitable services. [Register here] ([link removed] )

HECM Exam Prep Boot Camp

February 17-19, 2 - 5 pm ET

This training is a three-part webinar series designed to prepare HUD certified housing counselors to pass the HECM exam. Over three 3-hour sessions participants will review key study materials, receive clear explanations of core HECM topics, and work through practice questions and real-world scenarios. [Read more ([link removed] ) ]

In The News

Black Unemployment Reaches 7.5% Nationwide As New Report Warns DC Faces Sharpening Risks

By Stacy M. Brown, The Washington Informer

The report draws on analysis from the Joint Center alongside partners including United for a Fair Economy, the Center for Economic Policy Research, the National Community Reinvestment Coalition, and the Onyx Impact Group. [Read more ([link removed] ) ]

CFPB Ends Key Mortgage Alert Service For Banks

By Eden Harris, The Banker

Jesse Van Tol, president and chief executive of the National Community Reinvestment Coalition, said reduced HMDA reporting would have broad consequences. “Every community would be impacted. HMDA covers 88 per cent of all mortgage originations in the US. It tells us who is getting loans, who is making loans and what they cost. It is critical data for people, lenders, government and organisations like ours,” he said. [Read more ([link removed] ) ]

On Our Radar

Protecting Communities Is Protecting Assets

By Rebuild By Design

Rebuild by Design’s new CRA Community & Bank Guides show how to shift private investment from recovery to prevention. NCRC worked with Rebuild by Design to develop these guides as part of our work to use the CRA to bring together community development practitioners, climate advocates, public officials, and banks to make neighborhoods more stable and sustainable. Protect communities. Protect assets. [Read more ([link removed] ) ]

Majorities See Education, Housing As Unaffordable: Survey

By Mark Rego, The Hill

The survey from The New York Times and the Siena Research Institute, released Monday ([link removed] ) , found that 58 percent of respondents view education as unaffordable, with 26 percent saying it is somewhat affordable and just 8 percent saying it is mostly affordable. [Read more ([link removed] ) ]

Mamdani Delays Expansion Of NYC Housing Aid Program Amid Fiscal Strain

By Paige Oamek, Gothamist

The City Fighting Homelessness and Eviction Prevention Supplement program, known as CityFHEPS, currently serves roughly 60,000 households, making it one of the largest locally funded housing assistance programs in the country. Mamdani campaigned on a promise to expand eligibility for the program and drop the city’s legal challenge to a 2023 City Council law that would broaden access to vouchers for people at risk of eviction and households with slightly higher incomes. [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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