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Jul 06, 2017

Special Edition Podcast: Heirs' Property

When grandma dies without a will, property is passed on to her children, and then to each successive generation. Listen to experts discuss the complications of heirs property in a special edition episode of the Economy Matters podcast. podcast

Mar 23, 2017

Event: Strong Foundations: The Economic Futures of Kids and CommunitiesOff-site link

Does early child development plus education equal a stronger economy? The Federal Reserve System's 10th Biennial Community Development Research Conference spotlighted high-quality, emerging research on this and other questions, with featured speakers including Fed Chair Janet Yellen and Geoffrey Canada of the Harlem Children's Zone.

Feb 16, 2017

Housing Instability: Single-Family Evictions in One Atlanta Metro County

A recent discussion paper examines housing instability and the rise of institutional investors in Fulton County's single-family rental housing. Partners Update discusses the findings and implications for communities and families.

Feb 14, 2017

Economic Mobility: Research & Ideas on Strengthening Families, Communities & the EconomyOff-site link

This Board of Governors and Federal Reserve Bank of St. Louis publication includes selected papers that were presented at the ninth biennial Federal Reserve System's Community Development Research Conference. The essays explore a range of issues and concepts central to understanding how—and how well—people are able to move economically.

Feb 14, 2017

An Introduction to CRA YouTubeOff-site link

The Community Reinvestment Act (CRA) encourages banks to help meet the credit needs of the communities they are chartered to serve, including the low- and moderate-income neighborhoods in those areas. This video explores the CRA's provisions and how regulators evaluate a bank's CRA performance.

Feb 06, 2017

Exploring Atlanta's Community Development Landscape with Governor Lael Brainard

Fed Governor Brainard visited Atlanta neighborhoods with community and economic development and supervision and regulation team members. They met with community members and organizations to discuss local efforts, reports Partners Update.

Jan 01, 2017

Fed CommunitiesOff-site link

An online portal provides hundreds of community development resources from all 12 Federal Reserve Banks and the Board of Governors.

Nov 28, 2016

Exploring Economic Trends in the Southeast

U.S. household incomes are climbing, but have southeastern states kept up with the national trend? This Partners Update article probes recent census data on household incomes to find out.

Oct 06, 2016

Minding the Gaps: Household Financial Stability in the Southeast

This Partners Update article uses data from the 2015 Survey of Household Economics and Decisionmaking to examine the financial well-being of households in the Southeast after the Great Recession.

Aug 24, 2016

Concentrated Poverty in the Southeast: A Tale of Two Regions

How have patterns of concentrated poverty changed in the Southeast since the Great Recession? Partners Update previews a student paper on the topic.

Jul 22, 2016

The Quest for Durable and Inclusive Economic Growth

Data show a persistent widening of income inequality in this country. How can communities establish economic growth that is both strong and inclusive? Partners Update looks at a South Florida effort to improve prosperity for all and create a more resilient local economy.

Apr 19, 2016

Understanding Heirs' Properties in the Southeast

Heirs' properties are parcels of land inherited by descendants of a previous owner who did not leave a will. This type of ownership is widespread in the Southeast and disproportionately found in low-income ethnic and racial minority families. Partners Update examines the social and economic issues associated with these properties.

Apr 07, 2016

Putting a Human Face on Eviction

What's behind the increasing rate of tenant evictions across the country? Harvard's Matthew Desmond, author of Evicted: Poverty and Profit in the American City, discussed the lack of affordable housing and shared haunting personal stories from his book at a recent Atlanta Fed event. Learn more in Partners Update.

Jan 04, 2016

Offsetting Gentrification and Fostering Inclusive Transit-Oriented Development

The Atlanta Fed cohosted a recent symposium to examine strategies that would promote equitable transit-oriented development without gentrifying a neighborhood and displacing residents. Partners Update takes you inside the discussions.

Jan 01, 2016

Grow Your Own: Entrepreneurship-Based Economic Development for Local Communities Adobe PDF file formatOff-site link

The purpose of this ebook is to present an emerging model of economic development that focuses on using entrepreneurship and small business development as the primary tool to create community economic growth.

Dec 08, 2015

What It's Worth: Strengthening the Financial Future of Families, Communities and the NationOff-site link

Published by the San Francisco Fed in partnership with CFED, What It's Worth provides a 360-degree view of the financial problems and challenges millions of American households face. The book highlights the enormous creativity and innovation underway to improve financial well-being and provides concrete ways that nearly all sectors of society can implement proven and evolving solutions.

Mar 13, 2015

Integrating Financial Counseling with Other Municipal Services

One model of financial counseling couples education with delivery of point-in-time municipal services. This model and other issues relevant to financial education providers were topics at the Cities for Financial Empowerment Fund's annual meeting hosted by the Atlanta Fed's Nashville Branch, reports Partners Update.

Jan 15, 2015

Study Sheds Light on Working Families in Florida

U.S. job growth was the best in 15 years in 2014, but not all those jobs pay enough to support a family. The ALICE project describes the population of workers struggling to afford basic necessities; Partners Update examines the Florida project results.

Dec 04, 2014

What Counts: Harnessing Data for America's CommunitiesOff-site link

With 90 percent of the world's data generated in just the past two years, this book from the San Francisco Fed and the Urban Institute challenges policymakers, funders, and practitioners across sectors to seize this new opportunity to revolutionize our approaches to improve lives in low-income communities. It provides a road map for the strategic use of data to reduce poverty, improve health, expand access to quality education, increase employment, and build stronger and more resilient communities.

Nov 04, 2014

Chair Yellen Discusses Inequality and Opportunity

In a recent speech, Federal Reserve Chair Janet Yellen discussed widening inequality in income and wealth in the United States. Partners Update notes that she highlighted four building blocks to build economic opportunity.

Nov 01, 2014

Community Development Data Guidebook Adobe PDF file formatOff-site link

The guidebook from the San Francisco Fed provides information on a variety of community development data resources, divided by topic area, along with a practical application of how to retrieve the data and suggestions on how to conduct appropriate analysis.

Sep 18, 2014

Inclusionary Housing Policies: A Promising Tool for Housing Affordability

The U.S. housing market has been on the mend since the recession ended, but increasing property values are leaving many families of modest means priced out of the market. This Partners Update article examines inclusionary housing policies as one possible solution.

Aug 25, 2014

Strategies to Mitigate Rural Poverty Using Human and Social Capital

One outcome of the recent recession is that rural poverty rates are the highest since the mid-1980s. Mil Duncan, founding director of the University of New Hampshire's Carsey Institute, discusses the issues facing the rural poor in an Economic Development podcast episode. podcast

Jun 30, 2014

Competition to Incentivize Community Change: Working Cities Challenge

The Working Cities Challenge seeks to spur collaborative leadership in Massachusetts's smaller cities and help improve low-income residents' quality of life. Prabal Chakrabarti, at the Boston Fed, and Jessica Andors, at Lawrence Community Works, discuss the initiative in an Economic Development podcast episode. podcast

May 08, 2014

Limiting Property Tax Assessments to Slow Gentrification

Though some cities plan to reduce or freeze property tax assessments for long-time homeowners, a recent Atlanta Fed blog suggests that property taxes are not a significant driver of neighborhood change. Partners Update takes a look at the issue.

Apr 17, 2014

Partnership Works to Reduce Poverty

The Florida Prosperity Partnership, a statewide coalition, links community organizations, state and local governments, and financial institutions to support residents' financial health. Partners Update looks at some of the organization's achievements.

Mar 01, 2014

Healthy Communities: A Framework for Meeting CRA Obligations Adobe PDF file formatOff-site link

This publication provides a road map of best practices in community development and a healthy communities framework that highlights the types of investments that are valuable both to financial institutions and their target communities. It also includes reference guides for ensuring planned CRA activities meet regulatory requirements and a template for how financial institutions can tell their CRA story.

Nov 29, 2013

Event: Opportunities and Challenges in Low- to Moderate-Income Communities: A Trialogue among Stakeholders

Lenders, regulators, and representatives of community-based nonprofit organizations met to discuss housing finance, general financial services, and small business lending, with a focus on low- to moderate-income households.

Oct 03, 2013

Access to Consumer Credit in the Southeast: Results of the Community Indicators Project

Well-functioning credit markets are vital to support a healthy economy. Using survey results and listening sessions, the Atlanta Fed's Community Indicators Project examines consumers' access to credit in the Southeast, particularly in low- and moderate-income households. Partners Update looks at the results.

May 28, 2013

People-Centered Practices: Improving the Workforce Potential for Those with Disabilities

How can the workforce development system better respond to people with disabilities? Kathy Krepcio, of Rutgers' Heldrich Center for Workforce Development, and Michael Morris, of National Disability Institute, discuss innovative programs and policies designed to ensure this sector is poised to meet employers' labor needs.

Apr 11, 2013

Resilience and Rebuilding for Low-Income Communities: Research to Inform Policy and Practice

A diverse set of issues is shaping community development policy and practice. Nearly 350 participants explored research at the Fed's eighth biennial Community Development Research Conference. New ideas, approaches, and strategies for the community development industry and academic field were discussed.

Aug 23, 2012

Taking the Pulse of Regional Low-Wage Workers

Low-wage workers make up about one-third of the U.S. workforce. What hurdles do they encounter when looking for a job? The Atlanta Fed community and economic development group conducted a poll to understand the issues low-wage workers in the Southeast face.

Aug 03, 2012

Fed Survey Examines Recession's Impact on Family Finances

According to the Federal Reserve Board's Survey of Consumer Finances for 2010, American families' net worth and income have fallen sharply since 2007.

Jul 12, 2012

Increase in Mobile Banking Services an Opportunity for Unbanked Consumers

Kate Marshall Dole, an analyst at the Center for Financial Services Innovation, discusses the potential that mobile banking and payments represent for reaching the unbanked and underserved communities.

Jun 18, 2012

Community Reinvestment: Does Your Bank Measure Up?

This Atlanta Fed booklet describes how the Community Reinvestment Act (CRA) affects the way banks and thrifts serve their communities' credit needs. It outlines factors that regulators use to rate a bank's CRA performance and tells where to find information on a bank's rating.

May 22, 2012

Why Did So Many People Make So Many Ex Post Bad Decisions? The Causes of the Foreclosure Crisis

An Atlanta Fed research paper suggests that prevailing optimism during the housing boom and the resulting decisions made by homeowners and financial institutions were primary causes of the foreclosure crisis. The paper examines what led to some of these decisions and how policymakers might respond in the future.

Apr 11, 2012

Southeast Communities Respond to Tightened Fiscal Conditions

Recently, the Atlanta Fed's Community and Economic Development outreach team interviewed experts across the Southeast on how local communities are responding to reduced state and local budgets. What impact is that having on households and communities in the region?

Mar 23, 2012

Federal Reserve Board Report Shows Widespread Growth in Mobile Banking

Mobile banking is a growing trend among consumers, according to recent findings from a Federal Reserve Board report. The online survey of nearly 2,300 people explores the widespread use of mobile technology to access a bank account, credit card, or other financial account.

Jan 01, 2012

Investing in What Works for America's Communities Adobe PDF file formatOff-site link

This compilation of essays published by the San Francisco Fed and the Low Income Investment Fund highlights entrepreneurial solutions for addressing poverty. Authors include leading experts from across the country in community and economic development, academia, government policy, health, and philanthropy.

Dec 20, 2011

Negative Equity Impedes Real Estate Market Recovery

Over 10.7 million households owe more than their homes are worth as of the third quarter of 2011, according to Chief Economist Mark Fleming of CoreLogic. Negative equity can hinder homeowners' ability to sell their homes or, in some cases, to qualify for loan modification and refinancing programs.

Sep 08, 2011

Connecting CommunitiesOff-site link

Federal Reserve System webinar series provides a national audience with timely insights and information on emerging and important community and economic development topics.

Sep 01, 2011

Mortgage Performance Trends in the Southeast: A Reality Check

The most recent Mortgage Delinquency and Foreclosure Trends from the Atlanta Fed shows a slight decrease in the percentage of mortgages in foreclosure in the Southeast from December 2010 to June 2011. But there's an asterisk beside that news.

Jun 24, 2011

Presentations and Papers from Three Recent Conferences Online

The Atlanta Fed cosponsored conferences on green development and green finance, community development research, and increasing stability in unbanked and under-banked communities.

Jun 17, 2011

Self-employment as Economic Development Strategy: What Does It Mean For Metro and Nonmetro Counties in the Southeastern United States?

New research suggests that self-employment is becoming an important solution to unemployment in the Southeast, especially in rural areas. But why are there different outcomes for urban and rural areas? And what are the implications for economic developers and policymakers?

Apr 21, 2009

Intrametropolitan Patterns of Foreclosed Homes: ZIP-Code-Level Distributions of Real-Estate-Owned (REO) Properties during the U.S. Mortgage Crisis Adobe PDF file format

Real-estate-owned (REO) properties are usually vacant and, particularly when geographically concentrated, can have destabilizing effects on neighborhoods and communities. The author studies intrametro REO distributions across different metro areas during the mortgage crisis.

Dec 15, 2008

The Accumulation of Foreclosed Properties: Trajectories of Metropolitan REO Inventories during the 2007-2008 Mortgage Crisis Adobe PDF file format

What was the extent to which real-estate-owned (REO) properties accumulated in different housing markets during the mortgage crisis? The author examines characteristics of the inventory of REO properties in U.S. metro areas from 2006 to 2008.

Oct 10, 2008

Community Response to the Foreclosure Crisis: Thoughts on Local Interventions Adobe PDF file format

Mortgage regulation and foreclosure laws are generally under federal and state governance, but local governments and organizations responded to rising foreclosures in various ways. The author presents a range of responses to the foreclosure crisis that local organizations have used.