{"id":286009,"date":"2026-04-20T17:23:59","date_gmt":"2026-04-20T21:23:59","guid":{"rendered":"https:\/\/ncrc.org\/?p=286009"},"modified":"2026-04-20T17:26:28","modified_gmt":"2026-04-20T21:26:28","slug":"ncrc-and-214-groups-oppose-hr-941-small-lender-act","status":"publish","type":"post","link":"https:\/\/ncrc.org\/ncrc-and-214-groups-oppose-hr-941-small-lender-act\/","title":{"rendered":"NCRC and 214 Groups Oppose HR 941 Small LENDER Act"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"286009\" class=\"elementor elementor-286009\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-215f5a73 e-flex e-con-boxed e-con e-parent\" data-id=\"215f5a73\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b228d8a elementor-widget 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href=\"#elementor-action%3Aaction%3Doff_canvas%3Aopen%26settings%3DeyJpZCI6ImIyMjhkOGEiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e423134 elementor-widget elementor-widget-text-editor\" data-id=\"e423134\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>April 20, 2025<\/p><p>The Honorable French Hill\u00a0<br \/>Chairman<br \/>House Committee on Financial Services<br \/>2129 Rayburn House Office Building<br \/>Washington DC, 20515\u00a0<\/p><p>The Honorable Maxine Waters\u00a0 \u00a0 \u00a0<br \/>Ranking Member<br \/>House Committee on Financial Services<br \/>2129 Rayburn House Office Building<br \/>Washington DC, 20515\u00a0 \u00a0<\/p><p>Re: More than 200 groups oppose\u00a0H.R. 941, the Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act. \u00a0<\/p><p>Dear Chairman Hill and Ranking Member Waters:<\/p><p>The undersigned<strong>\u00a0<\/strong>215 civil rights, community, family farm, small business, women\u2019s, consumer, civic, and other organizations urge you to reject any and all efforts to repeal or weaken Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Section 1071 amended the Equal Credit Opportunity Act (ECOA) requiring lenders to compile and maintain data about their small business and farm lending. This commonsense measure provides much needed information and transparency for lenders, communities, and local governments to identify small business and farm credit needs, gaps in access to credit, and patterns of lending discrimination.<\/p><p>Small businesses and farms generate local economic growth, provide jobs, and build household wealth. But historically inequitable access to credit and financing makes it harder for people of color and women to start sustain, reinvest, and expand small businesses and farms. There is no comprehensive dataset of small business and farm lending data, which makes it impossible for all stakeholders \u2014 entrepreneurs, community groups, elected officials, and regulators \u2014 to assess demand for credit, access to credit, and to enforce civil rights laws. Section 1071 is based on the successful Home Mortgage Disclosure Act, which has provided similar market transparency in the mortgage sector for forty years.<\/p><p>Section 1071 serves two vital purposes as set forth in the statute: to facilitate enforcement of fair lending laws and to help identify areas where small businesses and farms lack access to credit. It was built upon ECOA to make it easier to root out and address patterns of discrimination, and to ensure better civil rights enforcement for small business and small farm lending. Furthermore, applicants are often unaware that their loan rejection, higher loan prices, or worse loan terms may be rooted in discrimination or patterns of discrimination. As stated in the law, the purpose of Section 1071 was \u201cto facilitate enforcement of fair lending laws,\u201d and it is needed because it is impossible to eradicate lending discrimination if we cannot quantify it.<\/p><p>Identifying lending deserts provides new business opportunities for financial companies. This data can also provide valuable insight to financial institutions on how to structure new lending products to meet the different needs of small businesses and farms.<\/p><p>Congress must reject the raft of legislative proposals to fully repeal Section 1071 or to weaken it through measures such as exempting some lenders, reducing the amount of data collected, or extending the compliance period. While we are sensitive to concerns about possible regulatory burdens faced by smaller lending institutions, it is equally important to be sensitive to the historic and persistent patterns of discrimination faced by business and farm loan applicants. Congress enacted this statutory provision fifteen years ago, and the government has yet to collect and publish any data because of the fierce resistance to transparency by the lending industry. Congress must not repeal or weaken this key addition to the Equal Credit Opportunity Act, one of our country\u2019s landmark civil rights laws.<\/p><p>Sincerely,<\/p><p><strong>National Groups<\/strong><\/p><p>Americans for Financial Reform<\/p><p>Center for Responsible Lending<\/p><p>HEAL (Health, Environment, Agriculture, Labor) Food Alliance<\/p><p>Main Street Alliance<\/p><p>National Community Reinvestment Coalition (NCRC)<\/p><p>National Family Farm Coalition<\/p><p>The Leadership Conference on Civil and Human Rights<\/p><p>Action Center on Race and the Economy<\/p><p>Affordable Homeownership Foundation Inc<\/p><p>Agricultural Justice Project<\/p><p>American Association of People with Disabilities<\/p><p>American\u00a0Grassfed\u00a0Association<\/p><p>Appleseed Foundation<\/p><p>Beneficial State Foundation<\/p><p>Campaign for Family Farms and the Environment<\/p><p>Center for Community Self-Help<\/p><p>Center for LGBTQ Economic Advancement &amp; Research (CLEAR)<\/p><p>Climate Justice Alliance<\/p><p>Coalition on Human Needs<\/p><p>Consumer Action<\/p><p>Consumer Federation of America<\/p><p>Data You Can Use<\/p><p>Fair Finance Watch<\/p><p>Farm Action Fund<\/p><p>Farm Aid<\/p><p>Farm and Ranch Freedom Alliance<\/p><p>Food &amp; Water Watch<\/p><p>Food Animal Concerns Trust (FACT)<\/p><p>Health Care Without Harm<\/p><p>Henderson and Company<\/p><p>Hip Hop Caucus<\/p><p>Institute for Agriculture and Trade Policy<\/p><p>Institute for Local Self-Reliance<\/p><p>Japanese American Citizens League<\/p><p>Just Solutions<\/p><p>Latino Farmers &amp; Ranchers International, Inc.<\/p><p>Local Initiatives Support Corporation (LISC)<\/p><p>Midwest Farmers of Color Collective<\/p><p>NAACP<\/p><p>National Association of Consumer Advocates<\/p><p>National Consumers League<\/p><p>National Disability Institute<\/p><p>National Fair Housing Alliance<\/p><p>National Sustainable Agriculture Coalition<\/p><p>National Young Farmers Coalition<\/p><p>NBJC<\/p><p>Northeast Farmers of Color Land Trust<\/p><p>Northeast Organic Farming Association-Interstate Council<\/p><p>People Power United<\/p><p>Pesticide Action &amp; Agroecology Network<\/p><p>Public Advocacy for Kids (PAK)<\/p><p>Public Citizen<\/p><p>RAFI<\/p><p>Real Food Media<\/p><p>Responsible Business Lending Coalition<\/p><p>Roots of Change<\/p><p>Rural Coalition<\/p><p>Rural Democracy Initiative<\/p><p>Rural Progress<\/p><p>Small Business Majority<\/p><p>Socially Responsible Agriculture Project<\/p><p>The Enterprise Center at\u00a0PathStone<\/p><p>The Food Trust<\/p><p>The National Coalition for Asian Pacific American Community Development (National CAPACD)<\/p><p>Western Organization of Resource Councils<\/p><p>Women, Food, and Agriculture Network (WFAN)<\/p><p>Woodstock Institute<\/p><p><strong>Alabama<\/strong><\/p><p>Alabama Arise<\/p><p>Alabama State Association of Cooperatives<\/p><p>Center for Fair Housing, Inc<\/p><p>NAACP Alabama<\/p><p><strong>Arizona<\/strong><\/p><p>Community Investment Corporation<\/p><p>Local First Arizona<\/p><p>Progress Arizona<\/p><p>Slow Food Phoenix<\/p><p><strong>California<\/strong><\/p><p>ASIAN, Inc.<\/p><p>Avila Fund<\/p><p>California Capital Financial Development Corporation<\/p><p>California Climate and Agriculture Network<\/p><p>CAMEO Network<\/p><p>Consumers for Auto Reliability and Safety<\/p><p>Contra Costa Senior Legal Services<\/p><p>Endangered Habitats League<\/p><p>Farms to Grow, Inc.<\/p><p>Faith and Community Empowerment<\/p><p>Food and Agriculture Action Coalition Toward Sovereignty<\/p><p>Housing and Economic Rights Advocates<\/p><p>ICON CDC<\/p><p>Los Angeles LDC<\/p><p>Minnow<\/p><p>Mission Economic Development Agency<\/p><p>People\u2019s Self-Help Housing<\/p><p>Public Counsel<\/p><p>Rise Economy<\/p><p>San Diego Food System Alliance<\/p><p>The Academy of Financial Education<\/p><p>TURN-The Utility Reform Network<\/p><p>Urban Tilth<\/p><p>Vermont Slauson Economic Development Corporation<\/p><p><strong>Colorado<\/strong><\/p><p>Colorado Latino Leadership, Advocacy, and Research Organization (CLLARO)<\/p><p>Food Justice NW Aurora<\/p><p>Nourish Colorado<\/p><p><strong>Connecticut<\/strong><\/p><p>Urban League of Greater Hartford<\/p><p><strong>Washington, DC<\/strong><\/p><p>The Coalition<\/p><p><strong>Delaware<\/strong><\/p><p>Delaware Community Reinvestment Action Council, Inc.<\/p><p><strong>Florida<\/strong><\/p><p>Latino Leadership, Inc.<\/p><p><strong>Georgia<\/strong><\/p><p>Alliance 85<\/p><p>Georgia Advancing Communities Together, Inc.<\/p><p>Georgia Watch<\/p><p>Hand, Heart + Soul Project<\/p><p><strong>Iowa<\/strong><\/p><p>Iowa Citizens for Community Improvement<\/p><p><strong>Illinois<\/strong><\/p><p>Citizen Action\/Illinois<\/p><p>Farmworker and Landscaper Advocacy Project\u2014FLAP<\/p><p>Illinois People\u2019s Action<\/p><p>Illinois Stewardship Alliance<\/p><p>Southside Food Co-op, Inc.<\/p><p><strong>Indiana<\/strong><\/p><p>Fair Housing Center of Central Indiana<\/p><p>Prosperity Indiana<\/p><p><strong>Kansas<\/strong><\/p><p>CHWC, Inc.<\/p><p>Kansas Rural Center<\/p><p><strong>Kentucky<\/strong><\/p><p>Food in Neighborhoods Community Coalition (FIN)<\/p><p><strong>Louisiana<\/strong><\/p><p>Sprout<\/p><p><strong>Massachusetts<\/strong><\/p><p>CommonWealth\u00a0Kitchen<\/p><p>Massachusetts Association of Community Development Corps (MACDC)<\/p><p>Northeast Organic Dairy Producers Alliance<\/p><p>Northeast Organic Farming Association of Massachusetts (NOFA-MA)<\/p><p>South Boston NDC<\/p><p><strong>Maryland<\/strong><\/p><p>CASH Campaign of Maryland<\/p><p>Economic Action Maryland Fund<\/p><p><strong>Maine<\/strong><\/p><p>Coastal Enterprises, Inc.<\/p><p>Maine Equal Justice<\/p><p>Maine Immigrants\u2019 Rights Coalition<\/p><p>Maine Organic Farmers and Gardeners Association<\/p><p>Maine People&#8217;s Alliance<\/p><p><strong>Michigan<\/strong><\/p><p>Michigan Organic Food and Farm Alliance<\/p><p>Michigan United Action<\/p><p>U SNAP BAC<\/p><p>Detroit Food Policy Council<\/p><p><strong>Minnesota<\/strong><\/p><p>Appetite For Change<\/p><p>Climate Land Leaders<\/p><p>LEDC<\/p><p>Renewing the Countryside<\/p><p>Roots Return Heritage Farm LLC<\/p><p><strong>Missouri<\/strong><\/p><p>Missouri Faith Voices<\/p><p>St. Louis Equal Housing and Community Reinvestment Alliance (SLEHCRA)<\/p><p><strong>Mississippi<\/strong><\/p><p>Covenant Community Development\u2014Covenant Faith<\/p><p>Reuben V. Anderson Center for Justice<\/p><p><strong>Montana<\/strong><\/p><p>Northern Plains Resource Council<\/p><p><strong>\u00a0<\/strong><\/p><p><strong>Nebraska<\/strong><\/p><p>Center for Rural Affairs<\/p><p>Economic Empowerment Center DBA Lending Link<\/p><p><strong>New Hampshire<\/strong><\/p><p>Northeast Organic Farming Association of New Hampshire (NOFA-NH)<\/p><p><strong>New Jersey<\/strong><\/p><p>CWA Local 1081<\/p><p>Faith in New Jersey<\/p><p>New Jersey Appleseed Public Interest Law Center<\/p><p>New Jersey Citizen Action<\/p><p>New Jersey Institute for Social Justice<\/p><p><strong>New Mexico<\/strong><\/p><p>Agri-Cultura\u00a0Cooperative Network<\/p><p>Southwest Neighborhood Housing Services<\/p><p>Tribal Homeownership Coalition of the Southwest<\/p><p>United South Broadway Corporation<\/p><p><strong>New York<\/strong><\/p><p>Amplify Equity<\/p><p>Association for Neighborhood and Housing Development<\/p><p>Brooklyn Cooperative Federal Credit Union<\/p><p>Church Women United in New York State<\/p><p>Good Food Buffalo Coalition<\/p><p>Housing and Family Services of Greater New York<\/p><p>LifeSource\u00a0Systems, Inc.<\/p><p>Long Island Housing Services, Inc.<\/p><p>Long Island Progressive Coalition<\/p><p>Lower East Side People\u2019s FCU<\/p><p>Metro Justice<\/p><p>New Economy Project<\/p><p>New Yorkers for Responsible Lending<\/p><p>Northeast Organic Farming Association of New York (NOFA-NY)<\/p><p>Rock Steady Farm<\/p><p>Rockland Housing Action Coalition<\/p><p>Soul Fire Farm<\/p><p><strong>North Carolina<\/strong><\/p><p>Centre for Homeownership &amp; Economic Development<\/p><p>North Carolina Council of Churches<\/p><p>North Carolina Justice Center<\/p><p>Piedmont Business Capital<\/p><p>Carolina Farm Stewardship Association<\/p><p><strong>North Dakota<\/strong><\/p><p>Dakota Resource Council<\/p><p><strong>Ohio<\/strong><\/p><p>ECDI<\/p><p>Housing Opportunities Made Equal of Greater Cincinnati<\/p><p><strong>Oregon<\/strong><\/p><p>CASA of Oregon<\/p><p>Oregon Consumer League<\/p><p>Provender Alliance<\/p><p><strong>Pennsylvania<\/strong><\/p><p>Buy Fresh Buy Local \u2014 Greater Lehigh Valley<\/p><p>Ceiba<\/p><p>HIP<\/p><p>Just Harvest<\/p><p>Neighborhood Housing Services of Greater Berks, INC<\/p><p>NWCS, Inc.<\/p><p>Pasa\u00a0Sustainable Agriculture<\/p><p>Philadelphia Association of Community Development Corporations<\/p><p>Philadelphia Solar Energy Association<\/p><p>Pittsburgh Community Reinvestment Group (PCRG)<\/p><p>The Restaurant Opportunities Center of Pennsylvania (ROC PA)<\/p><p><strong>Rhode Island<\/strong><\/p><p>Northeast Organic Farming Association of Rhode Island<\/p><p><strong>South Dakota<\/strong><\/p><p>Dakota Rural Action<\/p><p><strong>Tennessee<\/strong><\/p><p>You Can Make It Home Ownership Center Inc<\/p><p><strong>Texas<\/strong><\/p><p>Harlingen CDC<\/p><p>Southern Dallas Progress Community Development Corporation<\/p><p>Texas Association of Community Development Corporations<\/p><p>United Way of Central Texas<\/p><p><strong>\u00a0<\/strong><\/p><p><strong>Utah<\/strong><\/p><p>Utah Housing Coalition<\/p><p><strong>Vermont<\/strong><\/p><p>Northeast Organic Farming Association of Vermont (NOFA-VT)<\/p><p><strong>Virginia<\/strong><\/p><p>Cultivate Charlottesville<\/p><p>Virginia Citizens Consumer Council<\/p><p>Virginia Organizing<\/p><p>Virginia Poverty Law Center<\/p><p><strong>Washington<\/strong><\/p><p>Community Food Co-op<\/p><p>Tacoma\/Pierce County Habitat for Humanity<\/p><p><strong>West Virginia<\/strong><\/p><p>Mountain State Justice<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download April 20, 2025 The Honorable French Hill\u00a0ChairmanHouse Committee on Financial Services2129 Rayburn House Office BuildingWashington DC, 20515\u00a0 The Honorable Maxine Waters\u00a0 \u00a0 \u00a0Ranking MemberHouse Committee on [&hellip;]<\/p>\n","protected":false},"author":932,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"page_builder":"","footnotes":""},"categories":[1046],"tags":[],"class_list":["post-286009","post","type-post","status-publish","format-standard","hentry","category-testimony"],"acf":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"NCRC","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. 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