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Journal Article
Spotlight on Research: Innovative Ways to Build Savings and Wealth of Low-Income Families

The recent great recession took its financial toll on many families. Some who lost a portion of their wealth continue to struggle to find a foothold in the economy, while others have managed to regain their lost wealth. Some of the other sources of the financial instability that beset families have been attributed to the challenges associated with being a single-parent family, the volatility and fragility of income shocks, and the shredding of some safety nets. Ray Boshara, director of the Center for Household Financial Stability and assistant vice president at the Federal Reserve Bank of St. ...
Cascade , Volume 4

Journal Article
Gentrification: Research and Practitioner Perspectives

In urban areas across the United States, the demand for housing in center-city, amenity-rich neighborhoods is increasing, driven by young, college-educated, predominantly white residents. Those with higher incomes are able to outbid low-income residents, which may lead to voluntary and involuntary displacement of these households. In low-income, center-city neighborhoods, this is particularly troubling, as these neighborhoods offer greater access to public transportation, social services, employment centers, and social networks. Displacement could force vulnerable households into less ...
Cascade , Volume 4

Journal Article
Research Symposium on Fair Housing Explores the Past, Present, and Future of the Fair Housing Act

Even though the Fair Housing Act has resulted in significant strides toward ending discriminatory real estate practices since it was enacted 50 years ago, significant challenges related to fair housing and fair lending still exist, requiring further action by researchers, policymakers, and advocates. This theme underpinned the Federal Reserve Bank of Philadelphia and the Center for Urban Research and Education at Rutgers University?Camden?s recent Research Symposium on Fair Housing, which highlighted the past, present, and future of the Fair Housing Act
Cascade , Volume 2

Journal Article
The Role of Equitable Transit-Oriented Development in Promoting Economic Opportunity

Debate still exists in economics and other fields as to the impact of transit accessibility on finding and maintaining a good-paying job. This article provides an overview of equitable transit-oriented development (TOD), its effects on economic outcomes for low-skilled workers, and a brief discussion of policy solutions for practitioners to consider.
Cascade , Volume 3

Journal Article
CDCs: What Does Success Look Like?

Community development corporations (CDCs) understand that they have differing roles in differing contexts, depending on whether they are working with a high-vacancy, seriously depressed area where many residents and businesses do not want to stay; a rapidly gentrifying neighborhood; or a traditionally exclusionary suburb. The roles that CDCs play were explored in two sessions at the Reinventing Older Communities conference: The Future of CDCs: Three Compelling Visions and Measuring the Impact of CDCs.
Cascade , Volume 2

Journal Article
Transportation Is a Necessary Component of Housing Equity

Those working in redevelopment have undoubtedly heard about transit-oriented development (TOD). In TOD, transit lines are the backbone of individual projects or entire centers built around a station area. TOD can reduce automobile dependency and make a community more amenable to walking and biking. More recently, equitable TOD (ETOD) has been advocated in response to the gentrification pressures that modern TODs often introduce, displacing the very people most reliant on transit out of the station area. Transportation equity is a relatively new concept to the affordable housing community. The ...
Cascade , Volume 3

Journal Article
Spotlight on Research: Housing Options for Homeless Families

Homelessness in the U.S. continues to be a pressing issue. It is generally thought to involve only single men and women. However, according to a 2010 report to Congress, about one-third of the homeless are families.1 While the need for housing for homeless families is a foregone conclusion, the type of housing that best fosters residential stability and self-sufficiency remains at issue. A recent report by the National Center on Family Homelessness sheds light on this topic.2 The following is a summary of that report.
Cascade , Volume 1

Journal Article
Health Care is Community Reinvestment: Examples from the Mental Health Field

This article examines several case studies of mental health clinics and their relationships with financial institutions for CRA purposes.
Profitwise , Issue 1 , Pages 11-15

Journal Article
Competitiveness of Ethnic Minority Neighborhoods in Metropolitan Areas in the Seventh District

This article by senior business economist Maude Toussaint-Comeau explores employment change in ethnic minority neighborhoods in the Seventh District in comparison to job growth within their regions before and after the Great Recession. Among the high-level findings is that ethnic neighborhoods in economically growing metro areas tend to have high job growth, underscoring the value of policies that promote economic inclusion
Profitwise , Issue 4 , Pages 4-25

Journal Article
Market Failure and Community Economic Development in the US

This article explores the "political economy of community development" in the United States, with historical context on market failures. The authors, for the purposes of this article, also explore lending patterns in the Seventh Federal Reserve District.
Profitwise , Issue 1 , Pages 1-10



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