Equity & Racial Justice

Racial Justice

Systemic racism in housing, credit, employment, and other markets has long prevented consumers of color from accessing economic and wealth-building opportunities. These policies and practices lead to higher rates of poverty, lack of housing, a persistent wealth gap, community disinvestment, and other economic consequences. NCLC works to eradicate discriminatory policies and practices that have prevented consumers of color from accessing the same economic benefits as other Americans.

Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

A slate of recommendations to advance equity and racial justice across the federal government.

Read More about: Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies
January 29, 2024
December 21, 2023

Featured

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Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

AG Campbell Issues Advisory Providing Guidance on how Massachusetts Consumer Protection and Other Laws Apply to Artificial Intelligence

April 16, 2024

Amicus Brief: City of Grants Pass, Oregon v. Johnson

April 11, 2024

Comments to the Bureau of Prisons Re: Proposed Rule on Money-Transfer Services

April 1, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

Comments on Treasury Department’s Request for Information on Financial Inclusion

February 20, 2024

Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

Heirs Property Report: How to Prevent Home Loss, Close Racial Wealth Gap

January 29, 2024

Joint Testimony Supporting MA I.D. Bill for People Released from Prison

January 25, 2024

Comments & Letters

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Comments to the Bureau of Prisons Re: Proposed Rule on Money-Transfer Services

April 1, 2024

Comments on Treasury Department’s Request for Information on Financial Inclusion

February 20, 2024

Comments re: Bureau of Prisons’ Proposed Rule on “Reservation of Funds for Reentry Under the First Step Act”

January 8, 2024

CCD Letter to Reps Dingell and Fitzpatrick on Additional Funds for the Affordable Connectivity Program

July 26, 2023

Letter to Congress Opposing Prohibition on Funding to Implement Program on Affirmatively Furthering Fair Housing

July 17, 2023

Coalition Comments to FHFA on Equitable Housing Finance, Language Access, and Fair Lending Oversight

June 26, 2023

Coalition Letter Supporting Final Rule on Affirmatively Furthering Fair Housing

April 24, 2023

Letter to The Appraisal Foundation Regarding Declination of Invitation to Join the Council to Advance Residential Equity

February 3, 2023

NCLC’s Comments to HUD regarding Small Dollar Lending

December 5, 2022

Reports

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Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

Property Tax Foreclosures on Heirs Property: The Devastating Consequences and Recommendations for Prevention

August 22, 2023

The Racial Health and Wealth Gap: Impact of Medical Debt on Black Families

March 9, 2022

Gainful Employment: A Civil Rights Perspective

October 1, 2019

Report: Inequitable Judgments – Examining Race and Federal Student Loan Collection Lawsuits

April 16, 2019

Time to Stop Racing Cars: The Role of Race and Ethnicity in Buying and Using a Car

April 15, 2019

Toxic Transactions: How Land Installment Contracts Once Again Threaten Communities of Color

July 14, 2016

Credit Scoring and Insurance: Costing Consumers Billions and Perpetuating the Economic Racial Divide

June 18, 2007

Issue Briefs

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Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

Heirs Should Not Be Subject to Florida’s Homestead Tax Exemption Penalty

August 22, 2023

No Rolling Back the Clock: Roadmap for an Equitable Economic Recovery in 2023

March 15, 2023

No Silver Bullet: Using Alternative Data for Financial Inclusion and Racial Justice

June 1, 2022

Doing Special Purpose Credit Programs Right: Why Programs to Assist Black Communities Should Avoid Conventional Use of Traditional Credit Scores

February 9, 2021

2021 Foreclosure Prevention and Mortgage Lending Priorities: Consumer Financial Protection Bureau

November 1, 2020

Borrowing from Our Future: The Case for Cancelling Student Debt

August 10, 2020

Racial Disparities in Consumer Debt Collection

August 4, 2020

Testimony

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Joint Testimony Supporting MA I.D. Bill for People Released from Prison

January 25, 2024

Testimony In Support of MA H.B. 1493 / S.B 998, re: Immediate Record-Sealing

January 16, 2024

Testimony Supporting Massachusetts Bills H.3314 & S.2227: An Act to End Debt-Based Driving Restrictions and Remove Economic Roadblocks

November 9, 2023

Testimony of Sarah B. Mancini on Alternative Home Financing Before the Senate Banking Subcommittee on Housing, Transportation, and Community Development

July 11, 2023

Testimony Supporting California’s AB 1186, The REPAIR Act, on Youth Restitution

March 23, 2023

Testimony During “Examining Discrimination in the Automobile Loan and Insurance Industries”

May 1, 2019

Press Releases & News

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AG Campbell Issues Advisory Providing Guidance on how Massachusetts Consumer Protection and Other Laws Apply to Artificial Intelligence

April 16, 2024

Heirs Property Report: How to Prevent Home Loss, Close Racial Wealth Gap

January 29, 2024

CFPB and DOJ Sue Predatory Mortgage Lender for Reverse Redlining, Exploiting Consumers With Limited English Proficiency 

December 21, 2023

Report Examines Severe Consequences of Property Tax Liens and Foreclosures for Owners of Inherited Homes

August 22, 2023

Los Angeles Times: Why all Latino wealth is not equal

July 19, 2023

ProPublica: Senators Call for Further Oversight, Consumer Protections in Contract for Deed Real Estate Transactions

July 12, 2023

Leading Civil Rights and Housing Groups Support FHFA’s Critical Updates to the Mortgage Pricing Framework

April 28, 2023

Student Debt Cancellation Will Help Fix Broken Student Loan System, Close Racial Wealth Gap

June 8, 2022

NCLC Stands with the Black Community in Buffalo and Remains Committed to Advocating for Economically Marginalized Communities

May 31, 2022

Amicus Briefs

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Amicus Brief: City of Grants Pass, Oregon v. Johnson

April 11, 2024

Amicus Brief in Chamber v. CFPB

December 23, 2022

Amicus Brief in Pearson v. Hodgson

October 12, 2021

Amicus Brief in Massachusetts Fair Housing Center and Housing Works, Inc. v. HUD

October 13, 2020

Amicus Brief in Comcast Corp. v. National Association of African American-Owned Media, et.al.

September 30, 2019

Amicus Brief in Comcast v. National Association of African American-Owned Media

September 30, 2019

Amicus Brief in Bostock v. Clayton County

July 3, 2019

From the NCLC Digital Library

Credit Discrimination

An in-depth examination of federal and state discrimination laws that have a powerful application in maximizing claims in consumer cases, including the Equal Credit Opportunity Act (ECOA), Fair Housing Act, several Civil Rights Acts, state discrimination statutes, and more.

Read Chapter One

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