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Community Development

Partners in Community and Economic Development

Vol. 18, No. 2, 2008

FEATURES

Planning for Long-Term Financial Security

New FICO Model Changes Approaches to Consumer Credit

Growing Consumer Reliance on Credit Cards

Banking Development Districts Offer Access to Services

Responding to an Aging Population

Peer-to-Peer Lending: A Tool for Community Finance?

Covered Bond Framework Could Ease Mortgage Access

Examining the Issues: Community Affairs Adds Research Function

Spotlight on the District – Mississippi: Yazoo Clay, A Costly Challenge to Construction

Spotlight on the District – South Florida: Miami Advocates Find Opportunity in Risk

Staff

New FICO Model Changes Approaches to Consumer Credit
Shifts in FICO's assessment of creditworthiness will mean some consumers may see modifications in their credit scores. The changes come at a time of rising defaults on credit cards and auto loans.

Growing Consumer Reliance on Credit Cards
Are consumers turning increasingly to "plastic" as a financial coping mechanism?

Banking Development Districts Offer Access to Services
Incentive packages have proven successful in bringing industries and retail to under-served communities. Can they work for banks?

Responding to an Aging Population
The population of those over 65 is expected to more than double by 2030, calling for innovation in housing, services and transportation.

Peer-to-Peer Lending: A Tool for Community Finance?
Though the fledgling system of social lending is still being tested, many believe it holds promise as a source of finance for community development.

Covered Bond Framework Could Ease Mortgage Access
The U.S. Treasury's covered bond framework could attract investors to the mortgage market and make mortgages more accessible.

Examining the Issues: Community Affairs Adds Research Function
A new research team will identify key concerns and provide in-depth analysis to inform policies and practices in creating sustainable communities.