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Bank:Federal Reserve Bank of Boston  Series:Communities and Banking 

Journal Article
CRA sunshine provisions

Questions and answers about the new section to Regulation G.
Communities and Banking , Issue Sum , Pages 23

Journal Article
Reviving Main Street: two New England case studies

For 25 years, the Main Street program of the National Trust for Historic Preservation has been revitalizing town centers and rejuvenating downtown commercial districts. This article takes a look at the Main Street strategy and examines its success in Boston, Massachusetts, and Littleton, New Hampshire.
Communities and Banking , Issue Win , Pages 3-9

Journal Article
The subprime meltdown: who knew what when?

Today there is a frequent refrain that the subprime collapse came as a surprise. We contend that, on the contrary, many saw it coming. Starting in the 1990s, there were white papers by consumer organizations and articles in newspapers about abuses in the subprime market. Consumer advocates repeatedly testified before House and Senate committees, citing evidence that, for example, home foreclosures had tripled between 1982 and 1997, high-cost subprime loans accounted for 22 percent of all foreclosures in 1998, and many subprime loans were simply unaffordable.
Communities and Banking , Issue Fall , Pages 16-18

Journal Article
The American Dream Demonstration: IDA program outcomes

The American Dream Demonstration, the largest collection of individual development account programs ever undertaken in the United States, has encouraging evidence that the poor can save. Could this be the future of asset development?
Communities and Banking , Issue Win , Pages 7-9

Journal Article
Affordable housing in the greater Boston area: what challenges are LMI households facing?

Traditional programs designed to assist low- and moderate-income (LMI) renters and prospective homebuyers may not be sufficient given the rapidly accelerating Greater Boston real-estate market. Kathleen Gill explores how a growing shortage of affordable housing impacts LMI households and what options may be available to them.
Communities and Banking , Issue Fall , Pages 9-13

Journal Article
Alternative mortgages: managed risk or gamble?

Alternative mortgages may increase flexibility for lenders and consumers, but they also add risk. The best advice for all parties is to learn as much as possible about these tools and proceed with caution.
Communities and Banking , Issue Spr , Pages 3-5

Journal Article
New England immigrants and the labor market

New England?s population has avoided an overall decline thanks to the growing numbers of immigrants. New England Public Policy Center research shows immigrants are also filling many of the region?s labor needs.
Communities and Banking , Issue Sum , Pages 12-16

Journal Article
Insurance industry reinvestment: the Massachusetts experience

Joseph Kriesberg and Andrea Caliz Luquetta of the Massachusetts Association of Community Development Corporations (MACDC) outline the provisions in a new statewide law, An Act Insuring Community Investment and the Equitable Taxation of Insurance Companies in Massachusetts. In exchange for tax relief, this legislation requires insurance providers operating within the Commonwealth to contribute to two investment pools for economic development. Could this approach serve as a model for similar initiatives in other states?
Communities and Banking , Issue Win , Pages 2-8

Journal Article
High returns: public investment in higher education

Conservatively speaking, a college graduate generates $142,000 in state fiscal benefits over time while costing a state only $60,500. But trends in higher education allocations (4.1 percent of total state spending nationwide in 1984; 1.8 percent in 2004) suggest states have become shortsighted.
Communities and Banking , Issue Spr , Pages 31-34

Journal Article
Who are New England's immigrants?

Foreign immigration is driving New England's population growth and shaping the region's economic and demographic character. Who are the region's immigrants? Where do they live? How are they doing? An analysis by the Federal Reserve Bank of Boston answers some of these questions.
Communities and Banking , Issue Fall , Pages 10-21




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