Journal Article
Foreclosure Prevention Efforts Continue in Texas Metro Areas
Gunter, Julie (2011)
Although the level of seriously delinquent mortgages in Texas is slightly improved from one year ago (see the accompanying article), such mortgages are still at very high levels in the metro areas. For example, over 30,000 households are at least 90 days delinquent on their mortgage in the four-county Dallas-Fort Worth metro area as of December 2010.
e-Perspectives , Volume 11 , Issue 2

Journal Article
Survey of Low-Income Housing Tax Credit Properties
Community Development, Federal Reserve Bank of Dallas (2001)
In 1987, states began offering federally authorized tax credits to investors to encourage the development of low-income rental housing—with the stipulation that the rents remain "affordable" for at least 15 years. Now—as that 15-year mark looms—a Dallas Fed survey of Low-Income Housing Tax Credit (LIHTC) properties located in Texas has found that 76 percent of the property owners plan to keep their housing affordable for low-income families, but many are in need of repair.
e-Perspectives , Volume 1 , Issue 3

Journal Article
Eleventh District Nonprofits Comment on Clients' Credit Education Needs
Community Development, Federal Reserve Bank of Dallas (2011)
In a recent Community Outlook Survey by the Dallas Fed's Community Development Office, several nonprofit service providers observed that credit scores were a main factor affecting low-to moderate-income clients' access to credit.
e-Perspectives , Volume 11 , Issue 1

Journal Article
Get Checking Launches in Houston
Community Development, Federal Reserve Bank of Dallas (2006)
Access to mainstream financial services is on the horizon for unbanked and underbanked consumers in Houston through Get Checking(TM), a national initiative sponsored by eFunds Corp. and the University of Wisconsin Extension.
e-Perspectives , Volume 6 , Issue 4

Journal Article
Alternative Refund Settlement Products May Compromise Asset-Building Goals
Ryder, Emily; Di, Wenhua (2013)
High-cost, short-term loans such as the refund anticipation loan (RAL) have historically been popular with low-income filers. RALs are based on the taxpayer's expected refund and are issued at the time of filing. They allow the taxpayer to receive an anticipated refund earlier, in the form of a loan. These products have often been associated with high prices and extra filing costs. Nationwide, 7.2 million taxpayers received RALs in 2009, and 87 percent of those were low income.
e-Perspectives , Volume 13 , Issue 1

Journal Article
A Summary of Consumer Protection Regulatory Changes
Community Development, Federal Reserve Bank of Dallas (2009)
Many regulatory changes go into effect in 2009 and 2010 as the government works to increase the knowledge of consumers who are shopping for credit.
e-Perspectives , Volume 9 , Issue 3

Journal Article
Opportunities within the disability housing market
Office, Community Affairs (2011)
With 14.2 percent of the population over the age of 5 having a disability,[1] finding viable housing options that are universally designed and constructed to be accessible for people with disabilities is an ongoing challenge in Texas. And promoting housing solutions and partnerships that can benefit this growing population has become critical, not just for Texas but for the entire country. Not only is the need enormous, but federal government resources that traditionally have funded housing for people with disabilities have evolved and retrenched in the wake of the financial crisis. As a ...
e-Perspectives , Issue 4

Journal Article
Section 8 Vouchers Make Home-Ownership Dreams a Reality
Community Development, Federal Reserve Bank of Dallas (2001)
Since March, the Waco Housing Authority has moved four families out of apartments and into houses under the Section 8 home-ownership option program. WHA is currently working to place 38 other families in new homes.
e-Perspectives , Volume 1 , Issue 6

Journal Article
Texas Housing and Mortgage Update
Di, Wenhua (2011)
Texas and other areas in the Eleventh District did not experience a drastic home appreciation or expansion of exotic mortgages in the lead-up to the recent recession; therefore, the region did not get into a mortgage crisis as severe as in some other parts of the nation (Figure 1). However, the region has not been immune to the consequences of the financial system turmoil and the economic slowdown.
e-Perspectives , Volume 11 , Issue 2

Journal Article
United Way THRIVE Focuses on Financial Goals
Community Development, Federal Reserve Bank of Dallas (2013)
The United Way THRIVE program’s strategy is to help individuals and families reach their financial objectives through asset-building efforts, using a three-pronged system.
e-Perspectives , Volume 13 , Issue 3