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Asset building - Publications


Federal Reserve Board's Report on the Economic Well-Being of U.S. Households

The Federal Reserve Board has released its sixth annual Report on the Economic Well-Being of U.S. Households. Based on the Board's annual Survey of Household Economics and Decisionmaking conducted in October and November of 2018, the report provides insights on individuals’ income, employment, dealing with expenses, bank and credit access, housing decisions, education, student loans, and retirement. A new topic in this year’s report—aimed at understanding the experiences of bank customers—is the ability of adults to access funds in their bank accounts. 
 

How small-dollar loan programs can be a big benefit for employees (and their employers)

By providing their workers with access to affordable, low-risk credit, companies could help ease personal financial stresses—and improve their own bottom lines. Read more in this June 2018 article from Community Dividend, an online publication of the Minneapolis Fed.

Demographics of Wealth 2018 Series — Essay No. 2: A Lost Generation? Long-Lasting Wealth Impacts of the Great Recession on Young Families

This second essay in the Center for Household Financial Stability’s 2018 “Demographics of Wealth” series explores the connections between a person’s birth year and measures of their family’s financial well-being, including income and wealth. The essay is based on an analysis of over a quarter-century’s worth of data collected by the Federal Reserve through its Survey of Consumer Finances.

Demographics of Wealth 2018 Series — Essay No. 1: The Financial Returns from College across Generations: Large but Unequal

This first essay in the Center for Household Financial Stability’s 2018 “Demographics of Wealth” series explores the connections between a person’s level of completed education and measures of their family’s financial well-being, including income and wealth. The essay is based on an analysis of over a quarter-century’s worth of data collected by the Federal Reserve through its Survey of Consumer Finances.

Bridges — Winter 2017-2018

Bridges is a quarterly review of regional community and economic development issues, projects, and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics, and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2017-2018 issue include: New St. Louis Fed Tool Dives Deep into Community Investment; Cash on Hand Is Critical for Avoiding Hardship; Connecting a Memphis Community to the Built Environment through Equity; Investment Connection: The St. Louis Fed’s New Approach to CRA; CRA: An Examiner’s Perspective – Questions to Ask Workforce Development Partners; and more.

Minding the Gaps: Household Financial Stability in the Southeast

This article uses data from the Federal Reserve Board of Governors' 2015 Survey of Household Economics and Decisionmaking, or SHED, to examine the financial well-being of households across the Southeast in the aftermath of the Great Recession.

The Quest for Durable and Inclusive Economic Growth

Data show a persistent widening of income inequality in this country. How can communities establish economic growth that is both strong and inclusive? This article looks at a South Florida effort to improve prosperity for all and create a more resilient local economy. 

Understanding Heirs' Properties in the Southeast

Heirs' properties are parcels of land inherited by descendants of a previous owner who did not leave a will. This type of ownership is widespread in the Southeast and disproportionately found in low-income ethnic and racial minority families. This article examines the social and economic issues associated with these properties. 

Tracking Informal Mortgages on Rental Properties

This article analyzes real estate transaction data to understand trends in multifamily informal mortgages and the market conditions in which they are likely to occur.

Informal Homeownership Issues: Tracking Contract for Deed Sales in the Southeast

Since the Great Recession, homeownership rates have dropped and the wealth divide has widened for low-income and racial and ethnic minority households. Homeownership is a significant contributor to household balance sheets and generator of household wealth, particularly for these populations. A contract for deed is a seller-financed real estate contract consisting of installment payments. For households that desire the financial and physical security of owning a home, contracts for deed may provide an inexpensive option. However, risks may exist. This discussion paper explores informal homeownership issues by tracking contract for deed sales in the Southeast. 

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