Financial capability - Data/Research
Consumer & Community Context is a new article series from researchers at the Federal Reserve Board. The series features original analysis of financial conditions and experiences of consumers and communities, including traditionally underserved and economically vulnerable households and neighborhoods. The first issue focuses on two questions regarding student loan debt: can it explain low homeownership rates for young adults, and does it affect millennial migration patterns or "rural brain drain"?
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" 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.
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 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.
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.
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.
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.