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Data/Research - Community Development Resources


Quarterly Debt Monitor (Vol. 1, Issue 2)

In this second issue of the Quarterly Debt Monitor, covering the second quarter of 2016, the St. Louis Fed gives a detailed report on consumer debt nationally compared with the four largest metropolitan statistical areas (MSAs) in the St. Louis Fed's District (St. Louis, Little Rock, Ark., Louisville, Ky., and Memphis, Tenn.) and finds consumer debt grew across the United States, as well as all of the MSAs in the Eighth Federal Reserve District.

Quarterly Debt Monitor (Vol. 1, Issue 1)

In this inaugural edition covering the first quarter of 2016, the St. Louis Fed reports on consumer debt nationally compared with the four largest metropolitan statistical areas (MSAs) in the Eighth Federal Reserve District. These quarterly reports will examine changes in total consumer debt and in specific types of liabilities: mortgages, home equity lines of credit (HELOC), automobile and student loans, and credit card balances.

Corporate Landlords, Institutional Investors, and Displacement: Eviction Rates in Single-Family Rentals

Institutional investors purchased thousands of homes across the country to rent them after the real estate and financial crisis. In this December 2016 Community and Economic Development Discussion Paper from the Atlanta Fed, authors examine how the rise of the large corporate landlord in the single-family rental market affected housing stability in Atlanta.

Borrower Credit Access and Credit Performance After Loan Modifications

While the preventive effect of loan modifications on mortgage default has been well-documented, evidence on the broad consequences of modifications has been fairly limited. Based on two unique loan-level data sets with borrower credit profiles, the study Borrower Credit Access and Credit Performance After Loan Modifications reports novel empirical evidence on how homeowners manage their credit before and after receiving modifications.

Gentrification and Changes in the Stock of Low-Cost Rental Housing in Philadelphia, 2000 to 2014

Philadelphia has experienced increased rental housing affordability challenges in recent years, especially in neighborhoods that have undergone gentrification. This report explores one aspect of gentrification’s impact on housing costs by examining its association with changes in Philadelphia’s stock of units that rent for less than $750 per month.

Rental Housing Affordability Data Tool

The Rental Housing Affordability data tool enables users to examine trends in rental housing affordability in Third District states from 2005 to 2014. Additionally, the tool includes demographic and economic profiles of cost-burdened, lower-income renters to enable users to better identify vulnerable groups and inform the development of programs and services.

Experiences and Perspectives of Young Workers

The Federal Reserve Board has released a new resource, Experiences and Perspectives of Young Workers. The December 2016 report provides a snapshot of the educational attainment, employment experience, labor market outlook, and financial self-sufficiency of 18- to 30-year-olds across the United States.

Student Debt, Wealth Inequality, and the Return on a College Degree: The Role of Children’s Savings Accounts

Research shows that in time, an investment in higher education eventually pays off. However, the payoff of investing in higher education varies greatly depending on whether one graduates with or without student debt. This Chicago Fed blog, from November 2016, summarizes the disparity of investment returns in education between those with and without student debt, and ways to make such returns more equitable.

2016 Community Banking in the 21st Century: Research and Policy Conference

Presentations and videos, as well as the 2016 National Survey of Community Banks, are now available from the 2016 Community Banking in the 21st Century Research and Policy Conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). Held Sept. 28-29, 2016, at the St. Louis Fed, research explored the continuing relevance and importance of the community bank business model; the relationship between community bank size and performance; and community bank regulatory issues. Speakers included Fed Governor Jerome Powell, Chicago Fed President Charles Evans, St. Louis Fed President James Bullard and CSBS Chairman/Texas Department of Banking Commissioner Charles Cooper. H.E. “Gene” Rainbolt, chairman, BancFirst Corporation, provided the evening keynote.

Comings and Goings in Eastern Kentucky

A Cleveland Fed analyst examines the demographic challenges eastern Kentucky faces as it tries to attract and retain a more diverse mix of jobs.

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