{"id":2952,"date":"2021-12-03T21:33:00","date_gmt":"2021-12-03T21:33:00","guid":{"rendered":"https:\/\/nationalfairhousing.org\/?post_type=issue&#038;p=2952"},"modified":"2023-01-30T16:20:31","modified_gmt":"2023-01-30T21:20:31","slug":"access-to-credit","status":"publish","type":"issue","link":"https:\/\/nationalfairhousing.org\/issue\/access-to-credit\/","title":{"rendered":"Access to Credit"},"content":{"rendered":"\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n<h1 class=\"content-wrap-item post__heading post__heading-undefined wp-block-heading\">Not everyone has equal access to our financial markets<\/h1>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">In fact, centuries of discrimination, segregation, and disinvestment have led to the creation of a dual credit market. Simply put, some people are fortunate enough to live in communities with access to banks and credit unions. Others aren\u2019t as fortunate and live in credit deserts where the only financial institutions are payday lenders, check cashiers, buy-here-pay-here auto lenders and other high-cost lenders. This means that People of Color are disproportionately un-banked and don\u2019t have relationships with traditional mainstream financial institutions. These structural inequities are an intentional design of our built environment that unfairly locks people out of the opportunities they deserve and need to lead successful lives.<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">They also drive disparities in the technologies we use in the housing and financial sectors. Algorithmic models often mirror, and in some cases amplify, the bias and inequities manifest in our society.<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Listen to Massachusetts Congresswoman Ayanna Pressley talk about her experience with being unbanked in an exchange with NFHA&#8217;s CEO, Lisa Rice, during a Congressional hearing on credit access issues.<\/p>\n\n\n\n\n    <div class=\"container-fluid pt-md\">\n        <div class=\"row justify-content-lg-center cms-styles\">\n            <div class=\"col-lg-8 col-xl-7\">\n                <!--Video-->\n                <div data-toggle=\"modal\" data-target=\"#video-modal-block_25e311153edbe9f481e6b338f4550eed\" class=\"card-image gradient-overlay-gray is-video border-rounded\">\n                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/Capture.png\" alt=\"\" class=\"img-responsive\" height=\"1301\" width=\"2533\">\n                    \n                                            <h3 class=\"card-title-overlay color-white has-ellipsis\">Rep. Ayanna Pressley Discusses Access to Credit<\/h3>\n                                    <\/div>\n\n                            <\/div>\n        <\/div>\n    <\/div>\n\n    \n        <div id=\"video-modal-block_25e311153edbe9f481e6b338f4550eed\" class=\"modal fade video-modal\" tabindex=\"-1\" role=\"dialog\">\n            <div class=\"modal-dialog\" role=\"document\">\n                <div class=\"modal-content\">\n                    <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                        <span aria-hidden=\"true\">&times;<\/span>\n                    <\/button>\n                    <div class=\"modal-body\">\n                        <figure class=\"iframe-video\">\n                            <iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/ZuYCJxrtYMc\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>                        <\/figure>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n    \n\n\n\n<h3 class=\"content-wrap-item post__heading post__heading-undefined wp-block-heading\">The U.S. has a dual credit market driven by centuries of discriminatory policies and practices<\/h3>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">The graphic below illustrates this concept with safer, more regulated financial institutions reflected on the blue side and non-traditional, poorly regulated and often less safe financial institutions reflected on the tan side of the graphic. NFHA promotes policies, like preserving the disparate impact tool, that expand credit access in the financial mainstream (the blue side of the graphic) because accessing credit in this space yields financial opportunities that inure to the benefit of the consumer and society. Unfortunately, borrowers who access credit with subprime or non-traditional lenders often get trapped and find it extremely difficult to access credit from mainstream lenders. One reason is because some credit scoring systems ding borrowers who access credit from high-cost or finance company lenders \u2013 even if the borrower always pays her bill on time.<\/p>\n\n\n\n<figure class=\"content-wrap-item post__image wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/Dual-US-Financial-System-1.webp\" alt=\"\" class=\"wp-image-2953\"\/><\/figure>\n\n\n\n<h3 class=\"content-wrap-item post__heading post__heading-undefined wp-block-heading\">The dual credit market drives disparate and discriminatory outcomes<\/h3>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Many alternative financial services providers (the tan side of the graphic) do not report positive credit payments to credit reporting agencies. This means that consumers who access credit from the fringe market typically will not gain the benefit of making positive payments because other creditors cannot see that positive payment history. But consumers who access credit from the financial mainstream typically gain positive benefits by having their timely payments reported. The ability to access credit from financial institutions who will report timely payments to credit reporting agencies is so important because this information is used to enable consumers to develop and build solid credit scores.<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Consumers who primarily access credit from the tan side of the graphic are often credit invisible \u2013 those who lack sufficient credit data to generate a credit score, and people of color are disproportionately represented among the credit invisible. One reason is that mainstream, traditional lenders have long redlined and abandoned communities of color. This pattern of closing branches is continuing. Even today, banks are closing branches in high-income Black communities at a higher rate than they are closing branches in low-income Non-Black communities. Conversely, non-traditional and alternative financial services providers are hyper-concentrated in communities of color. Thus, institutions that report consumers\u2019 positive credit behavior are sparsely located in Black and Brown neighborhoods while institutions that typically do not report consumers\u2019 positive behavior are highly concentrated in Black and Brown communities. This exacerbates the problem of credit invisibility for Consumers of Color. The graphs below show these trends for Detroit and Houston but they are common throughout the nation.<\/p>\n\n\n\n<figure class=\"content-wrap-item post__image wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/Access-to-Credit-Detroit-Houston.webp\" alt=\"\" class=\"wp-image-2954\"\/><\/figure>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">As the graphic below illustrates, a lack of access to financial mainstream institutions has led to people of color obtaining credit from alternative financial services providers at much higher levels than their white counterparts.<\/p>\n\n\n\n<figure class=\"content-wrap-item post__image wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/AFS-More-Prevelant-in-COC.webp\" alt=\"\" class=\"wp-image-2955\"\/><\/figure>\n\n\n\n<figure class=\"content-wrap-item post__image wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/Rice-Figure-6.webp\" alt=\"\" class=\"wp-image-2956\"\/><\/figure>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">America\u2019s dual credit market has serious implications for wealth disparities and the racial wealth gap. NFHA is working with a wide range of stakeholders to ensure that everyone has access to quality credit opportunities \u2013 free from discrimination \u2013 enabling people to develop good credit scores, build wealth for their families and secure their financial futures. We are also working with stakeholders to ensure the technologies used in the housing and financial sectors are fair and don\u2019t result in disparate outcomes for underserved groups. NFHA\u2019s goal is to help all consumers gain better access to the financial mainstream and lenders who offer affordable, quality, sustainable credit. We know that communities without credit are communities without hope. Every community deserves to have access to quality credit. Every community deserves to have hope.<\/p>\n\n\n\n\n    <div class=\"container-fluid pb-lg\">\n        <div class=\"row justify-content-lg-center\">\n            <div class=\"col-lg-8 col-xl-7 icon-house-after\">&nbsp;<\/div>\n        <\/div>\n    <\/div>\n\n<!--    --><!--        <div class=\"admin-message\">Populate content in the sidebar for this block to start taking shape!<\/div>-->\n<!--    -->\n\n\n<h2 class=\"content-wrap-item post__heading post__heading-undefined wp-block-heading\">Access to Credit Resources<\/h2>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Read NFHA\u2019s testimony regarding reform of the U.S. credit reporting and credit scoring system at the U.S. House Committee on Financial Services\u2019 hearing \u2013 Who\u2019s Keeping Score? Holding Credit Bureaus Accountable and Repairing a Broken System.<\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"\">\n<li><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2019\/04\/Missing-Credit.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cMissing Credit: How the U.S. Credit System Restricts Access to Consumers of Color\u201d<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/06\/Lisa-Rice-Testimony.png\" target=\"_blank\" rel=\"noreferrer noopener\">Watch our President and CEO<\/a> testify before the U.S. House Committee on Financial Services about the U.S. credit reporting and scoring system and what must be done to expand access to underserved consumers.<\/li>\n<\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Read NFHA\u2019s comments on the Federal Housing Finance Agency\u2019s Proposed Rule on Validation and Approval of Credit Score Models.<\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;<a href=\"\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/Validation-and-Approval-of-Credit-Score-Models-NFHA-Comments-3.21.19.pdf&quot;\" target=\"&quot;_blank&quot;\" rel=\"&quot;noreferrer noopener\" comments on the Validation and Approval of Credit Score Models Proposed><li><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/Validation-and-Approval-of-Credit-Score-Models-NFHA-Comments-3.21.19.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">NFHA\u2019s comments on the Validation and Approval of Credit Score Models Proposed Rule<\/a><\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Read about historical and current practices that contribute to America\u2019s dual credit market.<\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;<a href=\"\/\/shelterforce.org\/2019\/02\/15\/long-before-redlining-racial-disparities-in-homeownership-need-intentional-policies\/&quot;\" target=\"&quot;_blank&quot;\" rel=\"&quot;noreferrer noopener\" Before Part class=\"&quot;post__list-item\"><li><a href=\"https:\/\/shelterforce.org\/2019\/02\/15\/long-before-redlining-racial-disparities-in-homeownership-need-intentional-policies\/\" target=\"_blank\" rel=\"noreferrer noopener\">Long Before Redlining, Part 1<\/a><\/li><li><a href=\"https:\/\/shelterforce.org\/2019\/02\/21\/long-before-redlining-part-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">After Redlining, Part 2<\/a><\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Read comments from NFHA and UnidosUS in response to the Federal Housing Finance Agency\u2019s Request for Information on Credit Scoring.<\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;<a href=\"\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/NFHA-Unidos-Comments-on-FHFA-RFI-Final.pdf&quot;\" target=\"&quot;_blank&quot;\" rel=\"&quot;noreferrer noopener\" Comments on FHFA Credit Score><li><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/NFHA-Unidos-Comments-on-FHFA-RFI-Final.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">NFHA\/UnidosUS Comments on FHFA Credit Score RFI<\/a><\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Read NFHA\u2019s report on the discriminatory effects of some credit scoring systems.<\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;<a href=\"\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/NFHA-credit-scoring-paper-for-Suffolk-NCLC-symposium-submitted-to-Suffolk-Law.pdf&quot;\" target=\"&quot;_blank&quot;\" rel=\"&quot;noreferrer noopener\" Effects of Credit Scoring on Communities class=\"&quot;post__list-item\"><li><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/12\/NFHA-credit-scoring-paper-for-Suffolk-NCLC-symposium-submitted-to-Suffolk-Law.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cDiscriminatory Effects of Credit Scoring on Communities of Color\u201d<\/a><\/li><li><a href=\"https:\/\/www.trulia.com\/research\/50-years-fair-housing\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.trulia.com\/research\/50-years-fair-housing\/<\/a><\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Centuries of discrimination, segregation, and disinvestment have led to the creation of a dual credit 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