National Community Reinvestment Coalition

What National Community Reinvestment Coalition does

The National Community Reinvestment Coalition (NCRC) is a 501(c)(3) nonprofit association founded in 1990 and headquartered in Washington, DC, operating as a nationwide coalition of nearly 800 nonprofit, government, and educational member organizations across more than 40 states. Its core mission is to advance fair lending, community reinvestment, and economic justice for low- and moderate-income communities and communities of color. NCRC's primary product lines include a HUD-certified Housing Counseling Network of 24 agencies, a National Training Academy (online and in-person courses on CRA, fair lending, HMDA, TILA, RESPA, and HUD certification), Community Benefits Agreement (CBA) facilitation with major banks ($607.96 billion across 22 bank groups since 2016), a Fair Lending Program (consumer protection investigations and implicit bias training), SNAP Employment & Training workforce programs, and research outputs including the Mortgage Market Report Series and a longitudinal gentrification dataset spanning 1970s–2010s. Supporting programs include the Field Empowerment Fund (member grants), the Fellowship for Equitable Development ($20,000 stipend, 8-month program pairing graduate students with community organizations), the Just Economy Lab collaborative workspace, and the annual Just Economy Conference with Capitol Hill advocacy days.

NCRC's business model is a hybrid nonprofit revenue structure: recurring membership dues tiered from $175/year for small nonprofits to $1,500/year for state government agencies; individual donations via the Just Economy Club; federal and foundation grants (including a $1.3M USDA SNAP E&T award); program fees for training and consulting; and CBA-related consulting arrangements with bank counterparties. The go-to-market motion is community-led, recruiting organizations through advocacy engagement and demonstrated impact, and deepening bank relationships through dedicated Industry Councils (Bankers Community Collaborative Council for $100B+ asset banks, Community Bankers Collaborative Council for $10–100B asset banks, and the Innovation Council for Financial Inclusion with fintech partners including Upstart, Zest AI, and Gusto). Leadership comprises President and CEO Jesse Van Tol, EVP/COO Gregory Dyson, and Board Chair Carol Johnson, supported by a policy, research, and housing counseling staff of 51–100. The organization holds no patents or proprietary technology, has no subsidiaries, and is independently governed with no parent entity.

Name

National Community Reinvestment Coalition

Legal name

National Community Reinvestment Coalition

Website

https://ncrc.org

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

NCRC is a 501(c)(3) nonprofit coalition of nearly 800 member organizations that advances fair lending and community reinvestment through HUD-certified housing counseling, CRA training, and Community Benefits Agreement facilitation with major U.S. banks ($607.96 billion since 2016).

Ownership category

akta.pro rank

Product category

Community Development Advocacy

NAICS

Other Scientific and Technical Consulting Services (54169), Educational Support Services (61171)

SIC

Services-Services, Nec (8900)

akta.pro primary industry

Corporate Foundations & CSR Grantmaking (BPAGAKAC)

Keywords

• Community reinvestment advocacy
• Fair lending enforcement
• Housing counseling services
• Nonprofit coalition membership
• Economic justice research

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Membership Dues: Annual membership fees billed at signup, with automatic renewal. Membership tiers based on organization type (nonprofit, government, education) and budget size. Fees range from $175/year for small nonprofits to $1,500/year for state government agencies.
2. Individual Donations: Individual donors can support NCRC through the Just Economy Club, which provides email newsletters and event invitations in exchange for donations. NCRC is a 501(c)(3) nonprofit organization.
3. Government Grants: NCRC receives federal grants including a $1.3 million USDA grant for SNAP workforce development programs to expand economic mobility initiatives.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels11 records

Core offering

No source content was provided in the input beyond the company name. A detailed description of the core offering cannot be reliably extracted.

Product overview

NCRC is a nationwide network organization (not a technology product company) offering a portfolio of programs and services focused on community reinvestment, fair lending, and economic justice. The core offerings include: the Housing Counseling Network (a HUD-certified intermediary of 24 agencies), National Training Academy (training on CRA, fair lending, HMDA), Community Benefits Agreements facilitation, Fair Lending investigations, and Research & Reports. Supporting programs include the Field Empowerment Fund and Fellowship for Equitable Development grants, SNAP Employment & Training support, Just Economy Lab collaborative space, and an annual Just Economy Conference. NCRC operates Member Hub, an online portal for organizational members, and Just Economy Club for individual donors. The organization does not offer a unified software platform but provides training, research, advocacy, and grant programs.

Differentiator

Problem solved

Functional benefit

Brands

• Just Economy Conference: NCRC's annual flagship conference bringing together advocates, lenders, developers, philanthropy, public sector, nonprofit leaders and community development practitioners.
• National Training Academy
• Housing Counseling Network
• Just Economy Lab
• Just Economy Club
• GROWTH By NCRC
• Field Empowerment Fund
• Fellowship for Equitable Development

Quantifiable outcome

• $607.96 billion in Community Benefits Agreements facilitated with 22 bank groups since 2016
• +1 more outcomes

Named customers1 record

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

26 partnerships are on record, tiered core.

• First Merchants BankcoreStrategic or Co-development Partner · 1 June 2026NCRC and First Merchants Bank announced a new $2 billion Community Benefits Agreement (CBA) covering January 1, 2026 through December 31, 2030. The agreement builds on First Merchants' previous community commitments and reflects the bank's continued growth and expanded footprint across Indiana, Michigan and Ohio. This renewed CBA represents a major commitment to mortgage, small business, and community development lending.
• First Financial BankcoreStrategic or Co-development Partner · 1 May 2026Expanded CBA for an additional $170 million in community development goals for Chicago and Northeast Ohio, building on the January 2024 $2.4 billion agreement.
• Columbia BankcoreStrategic or Co-development Partner · 1 December 2025Expanded community benefits agreement from original $8.1 billion to $2.5 billion, supporting California communities.
• UMB BankcoreStrategic or Co-development Partner · 1 September 2025Multi-billion dollar Community Benefits Plan announced in September 2025 for $5 billion.
• Atlantic Union BankcoreStrategic or Co-development Partner · 1 September 2025$2.2 billion of planned new commitments in addition to amount originally announced as part of Atlantic Union Bankshares Corporation's acquisition of Sandy Spring Bancorp, Inc.
• Old National BancorpcoreStrategic or Co-development Partner · 1 June 2025$1.6 billion addendum to increase community growth plan to $11.1 billion, supporting small businesses and minority underserved communities.
• SouthState BankcoreStrategic or Co-development Partner · 1 March 2025$8.3 billion plan announced in March 2025 to support underserved communities.
• Santander BankcoreStrategic or Co-development Partner · 1 June 2023Renewed CBA in June 2023 for an additional $4.6 billion, building on the November 2017 $11 billion commitment.
• BMO Harris BankcoreStrategic or Co-development Partner · 1 November 2022$40 billion Community Benefits Plan announced in November 2022.
• Cadence BankcoreStrategic or Co-development Partner · 1 November 2022Expanded from $2.5 billion (June 2019) to $23.2 billion CBA in February 2022.
• U.S. BankcoreStrategic or Co-development Partner · 1 May 2022$100 billion Community Benefits Plan as part of MUFG Union deal, announced May 2022.
• Old National BancorpcoreStrategic or Co-development Partner · 1 February 2022Original $11.1 billion CBA for small businesses and minority underserved communities.
• Flagstar Bank (f/k/a New York Community Bancorp)coreStrategic or Co-development Partner · 1 January 2022$28 billion Community Pledge Agreement to support communities of color, small businesses, and ongoing commitment to responsible multi-family lending.
• M&T BankcoreStrategic or Co-development Partner · 1 October 2021$43 billion Community Growth Plan to support underserved communities and communities of color, small businesses.
• PNC BankcoreStrategic or Co-development Partner · 1 April 2021$88 billion Community Investment Commitment announced April 2021.
• First Citizens BankcoreStrategic or Co-development Partner · 1 February 2021$16 billion Community Benefits Plan, later expanded to $22.5 billion in November 2023 including California and Massachusetts.
• Morgan StanleycoreStrategic or Co-development Partner · 1 September 2020$15 billion plan to increase lending and investments in lower-income communities.
• Truist (BB&T/SunTrust)coreStrategic or Co-development Partner · 1 July 2019$60 billion Community Investment Commitment following merger of BB&T and SunTrust to form Truist.
• Santander BankcoreStrategic or Co-development Partner · 1 November 2017Original $11 billion five-year Inclusive Communities Plan commitment.
• Fifth Third BankcoreStrategic or Co-development Partner · 1 November 2016$30 billion Community Development Plan, later expanded to $32 billion in October 2018.
• Huntington BancsharescoreStrategic or Co-development Partner · 1 May 2016Original $16.1 billion Community Development Plan, expanded to $76.8 billion by June 2021.
• KeyBankcoreStrategic or Co-development Partner · 1 March 2016$16.5 billion Landmark Community Benefits Agreement.
• U.S. Department of Housing and Urban Development (HUD)coreImplementation/ SI/ Consulting PartnerNCRC is a HUD-certified National Housing Counseling Intermediary, providing housing counseling through its Housing Counseling Network of 24 agencies. NCRC also provides HUD certification training for housing counselors.
• Bankers Community Collaborative Council (BCCC) MemberscoreStrategic or Co-development PartnerBCCC has been working since 1994 to foster dialogue between the nation's largest banks and nonprofit community development groups. All BCCC members have assets of $100 billion or more and have demonstrated highest standards on fair lending and CRA.
• Community Bankers Collaborative Council (CBCC) MemberscoreStrategic or Co-development PartnerCBCC aims to increase positive dialogue and collective action between mid-size banks (assets of $10-100 billion), nonprofit community development specialists and advocates.
• Innovation Council for Financial Inclusion MemberscoreStrategic or Co-development PartnerNCRC established the Innovation Council to create collective action between fintech community and nonprofit leaders. Members include Upstart, Zest AI, Gusto, and community leaders committed to financial inclusion and fair practices.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• National Fair Housing Alliance: National fair housing enforcement and advocacy organization operating a network of member agencies to combat housing discrimination. Highly comparable to NCRC as both are nonprofit coalitions focused on fair lending, fair housing enforcement, and policy advocacy at the federal level.
• Opportunity Finance Network: National membership association of Community Development Financial Institutions (CDFIs). Comparable to NCRC as a coalition that connects community development capital providers, advocates for policy change, and operates training and capacity-building programs for member organizations.
• Prosperity Now: National nonprofit focused on helping low-income families achieve financial stability through asset-building, savings, and homeownership programs. Comparable to NCRC's mission of economic justice for underserved communities and its role as a coalition convener and policy advocate.
• Woodstock Institute: Chicago-based nonprofit research and policy organization focused on fair lending, CRA advocacy, and racial economic equity. Comparable to NCRC's research-driven advocacy model, with similar focus on bank accountability and community reinvestment in LMI communities.
• Greenlining Institute: California-based policy, research, and advocacy organization advancing economic equity for communities of color. Comparable as a coalition-style nonprofit that engages banks and regulators on community reinvestment, fair lending, and economic justice.

Emerging players

• Center for Community Progress: National nonprofit focused on vacant, abandoned, and deteriorated properties — directly comparable to NCRC's GROWTH By NCRC initiative. Both organizations operate at the intersection of community development, policy advocacy, and equitable neighborhood revitalization.

Broad incumbents

• National Urban League: Large, established civil rights and urban advocacy organization with a far broader portfolio than NCRC (health, education, jobs, housing, justice). Comparable in mission focus on economic equity for African American communities and engagement with corporate/foundation partners.
• Urban Institute: Major policy research organization producing data and analysis on housing, fair lending, and community development. Comparable to NCRC's research output (Mortgage Market Reports, Racial Wealth Snapshots) and its role as a credible source informing CRA and fair lending policy.
• Local Initiatives Support Corporation (LISC): Major national community development financial institution (CDFI) providing capital, technical assistance, and policy advocacy. Comparable as a long-established player in community reinvestment that works with both banks and local nonprofits on affordable housing and economic development.
• National Council of Nonprofits: National network of state and regional nonprofit associations serving as an advocacy and capacity-building hub for the nonprofit sector. Comparable to NCRC's membership-coalition structure and its policy advocacy on behalf of community-based organizations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ncrc
• Facebookfacebook.com/thencrc
• LinkedInlinkedin.com/company/national-community-reinvestment-coalition
• Instagraminstagram.com/justeconomy

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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M&A

Investments

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Frequently asked questions about National Community Reinvestment Coalition