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Speech
Welcoming Remarks: 2025 Crossing the Credit Barrier Conference
St. Louis Fed President Alberto Musalem gave welcoming remarks to open the two-day conference. Held at the St. Louis Fed, the conference was co-sponsored by the Federal Reserve Banks of Boston, Philadelphia and Richmond.
Report
Community Development Outlook Survey Materials, 2011-2023
The Federal Reserve Bank of St. Louis' Community Development Outlook Survey monitors the economic factors affecting low- and moderate-income (LMI) people and communities in the Eighth Federal Reserve District. The survey is sent to a variety of community stakeholders; results represent the opinions of those organizations that respond, which may vary from survey to survey. Data received are useful for strategic planning, community and economic development and public policy dialogue.
Report
Workforce Development Survey Results, 2015
In 2015, the Federal Reserve Bank of St. Louis distributed a survey to collect data about workforce development trends and outlooks that affect low- and moderate-income individuals and households in Missouri. The St. Louis Fed partnered with eight local organizations deeply involved in workforce development who distributed the survey to their networks. We would like to recognize and thank these partners: St. Louis Agency on Training and Employment; St. Louis County Division of Workforce Development; Jefferson/Franklin County Employment Consortium; St. Charles County Department of Workforce & ...
Report
Access to Credit and Financial Services: A Bridge to Financial Well-being
Two analyses describe low- and moderate-income individuals’ access to credit and how this group broadly interacts with financial institutions and services.
Journal Article
Recent Innovations in Reducing Home Energy Costs and Improving Resilience for Low- and Moderate-Income Renters and Homeowners
Community Development (CD) practitioners across the western U.S. are engaging in new efforts to reduce energy costs and improve resilience for low- and moderate-income (LMI) communities and other populations that face barriers to economic participation and household financial stability. Energy costs and resilience are factors in housing stability, which impacts economic participation. New federal and state funding sources, as well as growing involvement from philanthropy and Community Reinvestment Act (CRA)-motivated investors, have prompted growth in energy cost savings and resilience (ECSR) ...
Discussion Paper
Flood-Prone Basement Housing in New York City and the Impact on Low- and Moderate-Income Renters
Hurricane Ida, which struck New York in early September 2021, exposed the region’s vulnerability to extreme rainfall and inland flooding. The storm created massive damage to the housing stock, particularly low-lying units. This post measures the storm’s impact on basement housing stock and, following the focus on more-at-risk populations from the two previous entries in this series, analyzes the attendant impact on low-income and immigrant populations. We find that basements in select census tracts are at high risk of flooding, affecting an estimated 10 percent of low-income and immigrant ...