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Publications - Community Development Resources


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. 
 

Examining the Role of Job Separations in Black-White Labor Market Disparities

Economic trends indicate stark racial disparities in the labor market. Black and white workers experience such distinct labor market outcomes that the highest level of white unemployment has rarely exceeded the lowest level of black unemployment over the past four decades. Using findings from recent studies and data from the Federal Reserve Board's 2017 Survey of Household Economics and Decisionmaking (SHED), this special topic brief elaborates on the persistent black-white unemployment gap and highlights barriers to obtaining and maintaining employment. This brief is the third of a series based on research and roundtable discussions with community leaders throughout the country as of the Federal Reserve's Investing in America's Workforce (IAW) Initiative.

Invested in Spanish/en Español: Community Voices Informing Policy and Practice in New England

Amplificando la Voz de los Trabajadores en una Economía en Constante Evolución, or in English, Amplifying Workers’ Voices in an Evolving Economy, is the second installment of Invested’s series on Many Roads to Quality Work. Translated for the benefit of Spanish-speaking workers, Amplificando la Voz discusses the history and future of worker representation, highlights emerging forms of empowerment for disenfranchised workers, and looks at ways that meaningful engagement of employees also benefits employers and communities.

Invested: Community Voices Informing Policy and Practice in New England

The second issue of the Boston Fed’s Invested magazine series on quality work explores innovative ways of amplifying workers’ voices in an evolving economy. The emerging forms of representation showcased in this issue could be especially helpful to marginalized workers such as those in the domestic services industry, many of whom are Spanish-speaking immigrants. To make this content more accessible to this population, we launched a “special edition” of Issue 2 in Spanish containing three key content sections and the full audio and transcript of our interview with a local domestic worker-leader.         

Changing up the child care block grant to meet market challenges

The authors of this article examine how the 2014 reauthorization of the federal Child Care Development Block Grant is—or isn’t—helping families and child care providers. From Community Dividend, an online publication of the Minneapolis Fed.

Investing in America's Workforce: Improving Outcomes for Workers and Employers

Learn about investing in workforce development systems in this new three-volume book Investing in America’s Workforce: Improving Outcomes for Workers and Employers. More than 100 authors share the latest research, best practices, and resources on workforce development focused on three distinct areas: Investing in Workers, Investing in Work, and Investing in Systems for Employment Opportunity. The publication is the result of a two-and-a-half-year collaboration between the Federal Reserve System, the Heldrich Center for Workforce Development at Rutgers University, the Ray Marshall Center at the University of Texas at Austin, and the W.E. Upjohn Institute for Employment Research. Download your free copy today at www.investinwork.org/book.

 

Mind the Gap: How Do Credit Market Experiences and Borrowing Patterns Differ for Minority-Owned Firms?

Given the relationship between a small business’s access to financing and its outcomes, and given the growing share of minorities in the U.S., it’s important that all creditworthy firms and entrepreneurs are able to secure adequate financial resources, irrespective of race or ethnicity. In this paper, which employs data from the Federal Reserve System’s 2016 Small Business Credit Survey, the authors explore under what conditions credit market experiences differ for various racial and ethnic ownership groups of small employer firms. They find evidence for disparities in credit approval by the race or ethnicity of the business owner, such as many minority-owned firms being less likely to receive approval for financing or being discouraged from applying in the first place.

Weathering the Storm

This new publication from the Dallas Fed explores recovery efforts in the wake of recent natural disasters across the United States. It presents guidance on how financial institutions can help advance disaster recovery in low- and moderate-income communities and meet their obligations under the Community Reinvestment Act.

Next Generation Sector Partnerships: A Series of Case Studies

These case studies from the Federal Reserve Bank of Dallas take a look at cross-sector partnerships that advance workforce and economic competitiveness in five regions: Rio Grande Valley, Texas; West Central Texas; Northeast Louisiana; Lane County, Oregon; and East Bay, California.

Rental Housing Affordability in the Southeast: Data from the Sixth District

In this paper, the authors provide a regional snapshot of housing affordability and the availability of affordable rental housing units at several scales for the Atlanta Fed's district, using data from the 2015 American Community Survey. The results demonstrate the widespread lack of affordable housing in large metropolitan areas, small and midsized regions, and nonmetro regions throughout the Southeast. The authors also show that extremely low- and very low-income households are disproportionately cost-burdened.

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