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Author:Hopley, Virginia 

Journal Article
Financial education: what is it and what makes it so important?
Financial literacy is essential. By enabling people to make sound, knowledgeable decisions, it increases their prosperity and that of their communities. The Community Affairs Department at the Federal Reserve Bank of Cleveland surveyed financial institutions and community economic development organizations in the Fourth Federal Reserve District to find out how they design, deliver, and evaluate their financial education programs-and which methods have been most successful. This report shares the results of that survey.
AUTHORS: Hopley, Virginia
DATE: 2003

Journal Article
2003 Environmental Assessment Survey
The Community Affairs Office of the Federal Reserve Bank of Cleveland conducted an environmental assessment survey in early 2003 to better understand current trends affecting access to capital and credit in low- and moderate-income communities. Topics of interest included trends affecting financial institutions' ability to serve the credit needs of individuals and businesses; community reinvestment needs; local or regional economic conditions that are affecting community reinvestment and economic development; opportunities and threats at the grassroots level that are influencing access to credit and capital in low- and moderate-income communities; and trends in local, state, and federal government that are affecting community economic development. Respondents indicated their most vital concerns are the development of affordable housing, new employment opportunities and job creation, financial education efforts and remedies to predatory lending, industrial and commercial (re)development, and financing incentives for community economic development.
AUTHORS: Hopley, Virginia
DATE: 2003

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