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Publications - Community Development Resources

Universal CSAs in Illinois: Addressing the Racial Wealth Gap

According to the 2016 Illinois Poverty Report, poverty rates are two to three times higher for Illinoisans of color. Black children in Illinois are nearly four times more likely to live below the poverty line than white children. In this 2016 article from the Chicago Fed's Profitwise News and Views, the author examines how a universal Children’s Savings Account (CSA) program has the potential to provide such a ladder out of poverty and toward long-term financial security–especially in communities of color.

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.

Regional Talent Pipelines: Collaborating with Industry to Build Opportunities in Texas

This report from the Dallas Fed and the Center for Public Policy Priorities draws upon survey results from Texas' 28 workforce boards to demonstrate how integrated regional workforce development systems are strengthening the middle class by building talent pipelines that help advance lower-skilled workers and job seekers.

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.

Participatory Budgeting: Enhancing Community Reinvestment through Public Engagement

Community engagement is not an easy task. This is especially true in communities with historically underrepresented and underserved populations who do not feel connected to the planning process. This 2016 article, featured in the Chicago Fed's ProfitWise News and Views, shows how some municipalities across the country are finding success through the use of participatory budgeting.

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.

Engaging Workforce Development: A Framework for Meeting CRA Obligations

Workforce development contributes to a strong economy by equipping workers to succeed in the labor market and supplying employers with quality talent. This framework, from the Dallas and Kansas City Feds, is designed to give banks—and organizations interested in partnering with them—tools and information to engage in workforce development activities in ways that may help them fulfill their obligations under the Community Reinvestment Act.

Tax-time Savings: An Antidote to Financial Insecurity

This 2016 article, from the Chicago Fed's ProfitWise News and Views, provides an in-depth look at The Center for Economic Progress (CEP), a local and national leader in providing free tax and financial services for low-income families, with a front-line presence in 15 Chicago area communities, and central Illinois. CEP’s mission comes to life through its three core service areas: tax preparation, tax legal clinic and asset building program.

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.


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