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Publications - Community Development Resources


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.

Reinventing the agricultural economy in Indian Country: A conversation with Zach Ducheneaux of the Intertribal Agriculture Council

In this July 2018 interview with Community Dividend, an online publication of the Minneapolis Fed, rancher Zach Ducheneaux from the Cheyenne River Sioux Reservation in South Dakota discusses his work promoting credit access and agricultural infrastructure in Indian Country.

The Tribal Leaders Handbook on Homeownership

The Center for Indian Country Development at the Federal Reserve Bank of Minneapolis has released the Tribal Leaders Handbook on Homeownership, a comprehensive guide to mortgage lending and creating successful homeownership programs in Indian Country. (For an overview of the handbook's development and features, see this CICD Blog post.)

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.

Home Lending in Hamilton County Neighborhoods

A Cleveland Fed researcher used Home Mortgage Disclosure Act (HMDA) to examine trends in mortgage lending in Hamilton County, Ohio--home to Cincinnati--during a 27-year period beginning in 1990.

Home Lending in Franklin County Neighborhoods

A Cleveland Fed Policy Analyst used Home Mortgage Disclosure Act (HMDA) to examine trends in mortgage lending in Franklin County, Ohio--home to Columbus--during a 27-year period beginning in 1990.

Investing in Coal Country

The Central Appalachian region is currently experiencing an economic transition. This Cleveland Fed blog entry looks at how philanthropic organizations are working to overcome the region’s challenges by capitalizing on its natural assets.

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