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Journal Article
Alternative IDs, ITIN mortgages, and emerging Latino markets
Mainstream financial institutions ? banks, savings and loans, and credit unions ? create and allocate capital and economic opportunities through their central and defining function of taking in deposits and making loans. This process determines where credit and capital will flow. As such, it shapes nearly every aspect of our social, economic, and built environment. Market forces and regulatory structures behind this flow are powerful and, at times, contentious. Banking practices and public policy influence one another continually, but are continually impacted most by emerging market ...
Journal Article
Finding the intersection between compliance and new markets
Journal Article
Merging the two sides: community needs and market opportunities
What does a community need, and what can its market support? Financial institutions, regulators, community development financial institutions, community development corporations, and a wide range of others have been asking this question more regularly. Perhaps you have been asking yourself this and other questions:> .Are community needs the same as market demands?> .Does an institution?s service area comprise the same boundaries as its market?> .Where can I find strategic data and information to understand and interpret these dynamics?> .Can my community support a new grocery store, more ...