Emerging CDFIs have had a unique experience with the delayed release of the certification and the long closure of the application window as they must balance continuing their operations with uncertainty of the timing and content of the final certification guidelines. To that end, Fund Community Institute spoke with John Godwin, Director of the New American Community Lending (NACL), a subsidiary of Lutheran Immigration and Refugee Services (LIRS) to learn about how the certification changes affect NACL. Read more about how NACL has handled the delay and uncertainty related to certification updates here.