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Series:Consumer & Community Context 

Discussion Paper
The Initial Impact of COVID-19 on Communities and the Entities Serving Them

This fourth article highlights the results of a survey of organizations providing services to LMI communities during the pandemic.
Consumer & Community Context

Discussion Paper
Two Tales of Changes in Retail Banking

This issue of Consumer & Community Context focuses on two aspects of these changes in retail banking.
Consumer & Community Context

Discussion Paper
The Pandemic's Early Effects on Consumers and Communities

This issue of Consumer & Community Context contains four articles presenting analysis of how consumers, communities, and community development organizations are responding to the pandemic.
Consumer & Community Context

Discussion Paper
Delivering Benefits of Faster Payments to the Underserved

This first article examines the implications of faster payments for cash-flow-constrained consumers.
Consumer & Community Context

Discussion Paper
"Rural Brain Drain": Examining Millennial Migration Patterns and Student Loan Debt

This second article considers the relationship between the amount of student loan debt individuals acquire and their decisions to live in rural or urban areas.
Consumer & Community Context

Discussion Paper
Access to Financial Services Matters to Small Businesses

This issue of Consumer & Community Context focuses on small businesses’ access to capital.
Consumer & Community Context

Discussion Paper
Growing Pains: Examining Small Business Access to Affordable Credit in Low-Income Areas

This third article examines small businesses’ access to financial services in low- and moderate-income communities.
Consumer & Community Context

Discussion Paper
At the Fed, Consumers and Communities Matter

This new article series will highlight Federal Reserve research and analysis of the financial conditions and experiences of consumers and communities, including traditionally underserved and economically vulnerable households and neighborhoods. Our goal for this series is not just to share insights, but to provide context for the complex economic and financial issues that affect individuals, communities, and the broader economy—and, in the process, enhance understanding of and enrich the dialogue on issues that touch all of our lives.
Consumer & Community Context

Discussion Paper
Searching for Small Business Credit Online: What Prospective Borrowers Encounter on Fintech Lender Websites

This first article describes what small business owners encounter when searching for financing on the websites of online lenders.
Consumer & Community Context

Discussion Paper
A Survey of Separately Branded Online-Only Banks and Their Role in the Banking System

This second article explores the emergence of online-only subsidiaries of traditional brick-and-mortar banks.
Consumer & Community Context

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