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Bank:Federal Reserve Bank of Chicago  Series:Profitwise 

Journal Article
Consumption trends of the U.S. hispanic population from 1980-2003

Between 1980 and 2003, the number of Hispanics in the United States increased dramatically from 14.6 million to 39.2 million. As a proportion of the national population, the share of Hispanics more than doubled from 6 percent to nearly 14 percent during this period. Projections from the U.S. Census Bureau indicate this trend will continue well into the future: Hispanics are expected to comprise 20.1 percent of the U.S. population, or 73.1 million individuals, by 2030. In addition to being a huge source of population growth, Hispanics have also been playing an increasingly important role in ...
Profitwise , Issue Oct

Journal Article
Tax-time Savings: An Antidote to Financial Insecurity

The value proposition of ?What It?s Worth? is the opportunity, working collaboratively between the public, nonprofit and private sectors, to address the growing economic insecurity and financial stability plaguing a growing number of Americans. The results of countless polls and surveys evidence the financial uncertainty facing the least advantaged in our economy. The aftermath of the Great Recession and the loss of assets for many, combined with reduced job security, downward pressure on wages, and higher out-of-pocket health expenses are some of the drivers behind this insecurity.
Profitwise , Issue 3 , Pages 14-15

Journal Article
Finding the intersection between compliance and new markets

Profitwise , Issue Spr , Pages 6-7

Journal Article
Exploring the Correlations between Health and Community Socioeconomic Status in Chicago

Much research demonstrates that where you live ? and the socioeconomic conditions present in that place ? determine individual-level health outcomes.[1] The premise that individual stressors tend to aggregate themselves into communities with poor socioeconomic status (SES) leads to the conclusion that ?where you live determines how long you live.? As former Federal Reserve Chairman Bernanke stated, ?Factors such as educational attainment, income, access to healthy food and the safety of a neighborhood tend to correlate with individual health outcomes in that neighborhood.?[2] These factors ...
Profitwise , Issue Sum , Pages 1-17

Journal Article
The evolving roles of mission-focused financial intermediaries and mainstream financial institutions in community development finance

In 2005, the Federal Reserve System and the Aspen Institute?s Economic Opportunities Program launched a national conference series to explore the state of the community development finance industry. A further goal was to document lessons and practices primarily from the for-profit sector, and introduce organization, productand industry-level innovations to increase the impact of community development financial institutions (CDFIs) and other community development organizations. Prior research by Moy and others formed the basis for the series. This research showed that environmental changes ...
Profitwise , Issue May

Journal Article
Foreclosure alternatives: case for preserving homeownership

Residential foreclosures have become a growing concern in the lending industry. GMAC-RFC (Residential Funding Corporation), America?s largest private issuer of mortgage-backed securities and a leading warehouse lender, estimates that it loses over $50,000 per foreclosed home. According to the U.S. Census Bureau?s statistical abstracts, the number of nonfarm mortgage loans in foreclosure at year-end 2003 (the latest year for which information is available) was over 500,000. This translates into $25 billion in foreclosure cost for lenders. ; Of course, lenders are just one stakeholder in the ...
Profitwise , Issue Feb , Pages 2-5

Journal Article
Exploring the Nexus between the Community Reinvestment Act (CRA) and the Affordable Care Act (ACA)

Banks and Nonprofit Hospitals: Partners in Community Development? How Banks and Nonprofit Hospitals Can Collaborate on Community Building and Health Outcome Improvement
Profitwise , Issue 4 , Pages 1-9

Journal Article
Financial access for immigrants conference: learning from diverse perspectives

The community affairs program of the Federal Reserve System is an educational, informational, and public policy oriented function focused on community economic development. The fundamental goal of community affairs is to promote credit and capital access to traditionally or historically underinvested and redeveloping communities and underserved populations. This goal supports the Federal Reserve?s economic growth objectives.
Profitwise , Issue Oct

Journal Article
Participatory Budgeting: Enhancing Community Reinvestment through Public Engagement

Community engagement is not an easy task. This is especially true in communities with historically underrepresented and underserved populations who do not feel connected to the planning process. However, some municipalities across the country are finding success through the use of participatory budgeting.
Profitwise , Issue 3 , Pages 25-28

Journal Article
Dislocated worker ten-year follow up

On a snowy February day in 1996, company officials at Advance Transformer (Advance) in Platteville, Wisconsin, gathered their workforce together for an unexpected announcement. One of Platteville?s largest employers would be closing its doors permanently.
Profitwise , Issue Sep , Pages 11-14




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