Solutions

Using Special Purpose Credit Programs to Expand Equality

May 16, 2022

Special Purpose Credit Programs (SPCPs) are made available by the Equal Credit Opportunity Act.
Building more affordable housing is important, but much more must be done to advance credit equity.
Our markets are structurally unfair and we need intentionality to effectively address the racial wealth and homeownership gaps.
SPCPs are an important tool in expanding fair access to credit, particularly for consumers and communities impacted by discrimination.
SPCPs fulfill the letter and spirit of our nation’s fair housing and lending laws.

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Using Special Purpose Credit Programs to Expand Equality

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