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Keywords:Small Business 

Shock, Grief and Opportunity: The Emotional Roller Coaster of COVID-19 in the Small Business Community

Given that small businesses employ nearly half of all private sector workers, their struggles directly impact both the well-being of workers and the broader economy.
Dallas Fed Communities

Women-Veteran Entrepreneurs Face Hardships Made Worse by Pandemic

Businesses that were already vulnerable before the COVID-19 pandemic have become even more so during the ensuing recession the last few months. These businesses tend to be smaller and younger and are disproportionately owned by Hispanic and especially Black entrepreneurs.
Dallas Fed Communities

COVID-19 and CRA: Fed Issues Guidance on Helping Communities Through the Crisis

To help support economic resiliency, we are providing Community Reinvestment Act (CRA) consideration for banking and lending activities in response to COVID-19.
Dallas Fed Communities

Who Benefited from the Paycheck Protection Program? Our Texas Analysis Offers an Early Look

Though many hail the Paycheck Protection Program as a historic lifeline for the economy, others have raised concerns that the program reinforces inequities and has led to loan approvals not in alignment with its mission.
Dallas Fed Communities

Discussion Paper
Effects of the Community Reinvestment Act (CRA) on Small Business Lending

This study provides new evidence on the effectiveness of the Community Reinvestment Act (CRA) on small business lending by focusing on a sample of neighborhoods with changed CRA eligibility status across the country because of an exogenous policy shock in 2013. The results of difference-in-differences analysis provide consistent evidence that the CRA promotes small business lending, especially in terms of number of loan originations, in lower-income neighborhoods. The generally positive effects of the CRA are sensitive to the types of CRA treatment. Losing CRA eligibility status has a ...
Community Affairs Discussion Paper , Paper 18-1

Women Veteran Business Owners: We Want to Hear From You

Women veteran-owned small businesses are an important part of our regional economy, but little is known about their needs and challenges.
Dallas Fed Communities

Opportunity Zones: How Will We Know if Communities Reap the Benefits?

Much has happened since the Dallas Fed released its first article on Opportunity Zones (OZs). While we know a lot more than we did, some aspects of OZs remain unclear.
Dallas Fed Communities

Communities Step Up to Address Economic Impact of COVID-19

At local and national levels, nonprofits, government agencies, funders and financial institutions are all working to mitigate this economic shock for households and businesses.
Dallas Fed Communities

Working Paper
Effects of the Community Reinvestment Act (CRA) on Small Business Lending

This study provides new evidence on the effectiveness of the Community Reinvestment Act (CRA) on small business lending by focusing on a sample of neighborhoods with changed CRA eligibility status across the country because of an exogenous policy shock in 2013. The results of difference-in-differences analysis provide consistent evidence that the CRA promotes small business lending, especially in terms of number of loan originations, in lower-income neighborhoods. The generally positive effects of the CRA are sensitive to the types of CRA treatment. Losing CRA eligibility status has a ...
Working Papers , Paper 18-27

Federal and Local Resources Help Small Businesses Strive for New Normal

In May, we released an in-depth look at the experiences of small business owners across Texas in the first month of the crisis. In the subsequent months, there have been updates to existing resources, and more initiatives have launched to support small firms across the country and state.
Dallas Fed Communities

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