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Financial capability - Publications


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.

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.

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.

Bridges — Spring 2017

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 Spring 2017 issue include: Memphis and Beyond: Assessing the Market for CRA Investment; Does College Level the Playing Field?; Back to the Future: Financial Capability in Social Work Practice; CRA: An Examiner’s Perspective – Train for Results!; Entrepreneurship and Re-entry: Aspire Entrepreneurship Initiative; and more.

Communities & Banking magazine, spring 2017

Read about C&B's transformation this fall into our new online magazine, Invested. Our spring 2017 feature article shares valuable lessons from the Boston Fed's Working Cities Challenge, an ongoing initiative to help smaller industrial cities in New England tackle social and economic problems. Also in this issue, we learn about the perils and abuses of land installment contracts, the value of community benefits agreements, and how entrepreneurship breeds opportunity in minority communities. Other articles highlight the importance of anchor institutions to local businesses, how "gamified" financial education seems to reinforce smart savings decisions, and we see evidence that pay-for-success approaches to preventing formerly incarcerated youth from reoffending can turn young lives around. Finally, we examine recent changes in the prospects for renters in New England.

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.

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