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Financial capability - Data/Research


CALL FOR PAPERS | Renewing the Promise of the Middle Class

The Call for Papers is now open for “Renewing the Promise of the Middle Class,” the 2019 Federal Reserve System Community Development Research Conference. Abstracts or drafts are due no later than October 9, 2018. The conference will share research on factors influencing the financial and socioeconomic status of individuals and families and is open to research on topics that use various definitions of middle class, as well as papers that speak to relevant issues but do not explicitly use “middle class” in their framing. Of particular interest is research that explores specific challenges and opportunities for specific subgroups, including lower-income, minority, young-adult, elderly, rural or other diverse populations.

Community Pulse (December 2017)

This issue of the Community Pulse presents the findings from our 2017 survey. Amount of/and or access to affordable housing, skill level of local labor force and general poverty were the top three current issues in the fifth district.

Investing in America’s Workforce: Report on Workforce Development Needs and Opportunities

"Investing in America’s Workforce: Report on Workforce Development Needs and Opportunities" analyzes information gathered from nearly 1,000 leaders who work at the intersection of workforce training, recruitment, and finance. The study provides a current snapshot of the workforce development sector and its key challenges. It offers strategies for improving the human capital of America’s labor force, expanding access to jobs, and innovating workforce development funding.

Watermen Workforce Challenges and Opportunities: Lessons from the Chesapeake Bay Region

The third issue of Community Scope 2016 will offer a broad overview of the challenges faced by today’s watermen that may be precipitating their declining numbers and will discuss alternative and supplemental employment options that may be available to them.

The Geographic Scope of CDFI Activity in the Southeast

The second issue of Community Scope 2016 examines the patterns in geographic service provision by respondent CDFIs in urban, rural, low- and moderate-income (LMI), underserved and distressed markets and areas.

Community Development Financial Institutions in the Southeast: Surveying the Social Investment Landscape

Volume 4, Issue 1 2016 of Community Scope uses the results of the 2015 survey to present timely key findings on CDFI activity in the Southeast, including capitalization, demand, capacity, non-lending programs and services, and impact investing.

Community Pulse (October 2016)

This issue of the Community Pulse presents findings from our 2016 survey. Access to affordable housing, availability of local job options, and improving the quality of K-12 education ranked among the top three issues in the Fifth District.

Fifth District Footprint: Real Mean Income Change in the Fifth District

Unequal growth at the ends of the income distribution has received much attention in recent years, but what income trend has the middle quintile experienced since the Great Recession? The March 2017 issue of 5th District Footprint examines this change in real mean income.

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.

New Era for Payday Lending: Regulation, Innovation and the Road Ahead

This Dallas Fed article provides an overview of the latest in Texas' payday lending field, highlighting impact on low-income communities, recent changes to local ordinances, the CFPB's proposed federal regulations and low-cost alternatives in the state and across the U.S. 

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