Banks Can Earn CRA Credit for COVID Response—But Who’s Benefiting?

All banking activities, regardless of whether they benefit middle- and upper-income or low- and moderate-income people and communities, could count in the next round of CRA exams. This would further disadvantage communities that are already disproportionately impacted by the pandemic.

Two Americas On Display: DC & Las Vegas

I was struck by two hugely contrasting stories in Sunday’s Real Estate section of The Washington Post. If you want evidence that John Edwards’s...
CRA oped

Protecting the Community Reinvestment Act Is an Investment in Economic Justice

The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation just released a set of proposed rules for the Community Reinvestment Act that threaten the very heart of the law.
Dozens of young people, mostly Black, gather with Capitol Hill in the background, holding signs that read "Black Lives Matter." Two stand in the middle with arms upraised as if speaking to the crowd.

Community Organizations Have to Talk About Police Violence Directly

It’s easy to quickly refocus the conversation around police violence on the problems our organizations are already set up to fix—here’s why we shouldn’t.
Martin Luther King Jr.

Some Thoughts On This Martin Luther King Jr. Day

On this Martin Luther King Jr. Day, as one of the lucky ones who actually had the day off to reflect on this great...
redlining map and racial equity

Redlining Would Be Relegalized by CRA Reform Proposal

In an attempt to make compliance easier for banks, regulators are proposing to incentivize the very thing the Community Reinvestment Act was written to fight.

The Most We Can Do: A National Mandate for Housing Justice

As the United States wrestles with its long history of racial injustice, shared-equity programs stand as one solution to address inequality and exclusion in the realms of housing.
pie chart for illustration; no data

Can Community Development Solve the Municipal Budget Crisis?

Oakland, Calif., like many cities, is beginning an annual or biennial budget process and coming to terms with the stark realities of structural problems...
fair housing wrecking ball

Affirmatively Dismantling Fair Housing

HUD has proposed a new rule that would make it more difficult to combat racial segregation in housing. The rule doesn't even mention segregation.