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. 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]
“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]
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]
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]
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]
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]
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]
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]
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]
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]
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]
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]
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]
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, 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]
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]
Resources
Work And Meet At The Just Economy Club It's aDC hubfor 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]
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