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Report
The CRA at 40: Law Remains a Cornerstone of Community Development
What monetary benefit does the Community Reinvestment Act bring to Texas? The Dallas Fed analyzed the performance evaluations of Texas banks and polled bankers to assess how much the 40-year-old law is contributing to communities in need and whether it should be modified.
How PPP Loans Eluded Small Businesses of Color
Using national- and state-representative data from small business owners from the Federal Reserve System’s Small Business Credit Survey, we found that small business owners of color were in greater need of financial support than their white-owned counterparts, but they successfully accessed the PPP less frequently.
Communities, Service Providers in Region See Long Road to COVID-19 Recovery, Fed Survey Shows
Nearly all respondents reported "significant" disruption to economic conditions in their communities, and over two-thirds anticipate a "difficult" economic recovery.
Discussion Paper
Texas small business needs assessment poll 2014
High-tech hotspot Austin works to solve labor, housing issues
In the fourth stop on her 360° in 365 Listening Tour, Dallas Fed President Lorie K. Logan met with Austin business and community leaders in January to learn about the area’s strengths, challenges and outlook.
Report
The Scarcity of Texas Affordable Housing
In 2016, the Dallas Fed launched a poll of developers to assess the state of affordable housing in Texas. Responses were analyzed, and existing secondary data were added for context. This report summarizes those results.
Discussion Paper
Savings account ownership during the great recession
Pandemic Mortgage Relief Headed Off Delinquencies, but What Happens Now?
As more Texas mortgages exit forbearance, ZIP codes with larger vulnerability will be at particular risk for financial stress.
Job seekers with associate degrees likely to benefit from short-term credentials
Proponents of short-term credentials hope these programs that are shorter (and often cheaper) than traditional college can boost economic mobility for students who would otherwise forgo a degree.
COVID-era eviction moratoriums improved financial well-being...while they lasted
This analysis leverages new eviction and credit data from Dallas County, Texas, to explore the impact of the moratoriums and to examine trends that surfaced once the moratoriums ended.