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Journal Article
Texas' CAC members
Journal Article
New Mexico Encourages Citizens to Save
Low-income residents in New Mexico now have more incentive than ever to save for a home, an education or their own business. In the 2006 legislative session, the state provided $1.5 million to fund the Individual Development Account Act that passed in 2003.
Journal Article
Communi-Versity: Economic Strategy Draws on the City and University at Prairie View
In February 2010, community leaders and university officials who were interested in the future of both the city of Prairie View, Texas, and Prairie View A&M University (PVAMU) attended a roundtable discussion hosted by the Federal Reserve Bank of Dallas' Houston Branch. Out of this first meeting arose "Communi-Versity," a joint venture of the community and the university focused on creating an environment conducive to economic development.
Journal Article
Opportunities within the disability housing market
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 ...
Journal Article
Patterns and Trends of Housing Affordability in Texas
In the aftermath of the Great Recession, it is critical to reexamine the definition of what is affordable to a homebuyer and how the measures of housing affordability play out for average households in Texas and the United States.
Journal Article
Why Texas' Small-Dollar Lending Market Matters
This article, written by Ann Baddour of Texas Appleseed, describes the reasons behind the emergence of the payday lending industry in Texas and how banks and other for-profit and nonprofit organizations are working to create lower-cost options that address the growing frustration among those who advocate against the payday and auto title industry?s lending practices.
Journal Article
A Summary of Consumer Protection Regulatory Changes
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.
Journal Article
Texas Housing and Mortgage Update
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.
Journal Article
ACCION Texas Reaches Out to Small Businesses
ACCION Texas, the country's largest microlender, is reaching small businesses across the state's 262,000 square miles. In 2001, the nonprofit organization provided loans to small businesses in 203 Texas communities, Ben Wheeler—population 400—among them.
Journal Article
Federal Reserve’s Consumer Advisory Council: A Q&A with Governor Gramlich
The Consumer Advisory Council (CAC) is the public's link to the Federal Reserve Board of Governors. At the Board's suggestion, Congress created the CAC to help the Board get advice from consumers, communities and the financial services industry about consumer protection laws and related topics. Federal Reserve Governor Edward M. Gramlich, who has Board oversight of the CAC, offers answers to the following questions.