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Bank:Federal Reserve Bank of Cleveland  Series:Community Reinvestment Forum 

Journal Article
Individual Development Accounts: an endangered wealth-creation strategy?

The introduction of the Individual Development Account in 1996 opened the door to a new school of thought on ending the cycle of poverty.
Community Reinvestment Forum , Issue Win

Journal Article
Financial education: is it making a difference?

Few would argue that the time is ripe for financial education in America as financial products and services are growing in diversity and complexity.
Community Reinvestment Forum , Issue Spr

Journal Article
Investing in our communities: \\"new markets\\" programs offer financial incentives to encourage investment

Late last year Congress produced two pieces of legislation focusing on economic development in low-income communities. Both aim to encourage investment in America's economically distressed communities.
Community Reinvestment Forum , Issue Sum

Journal Article
Policy summit keeps spotlight on poverty

There are no simple answers to the persistent problem of poverty. But keeping a spotlight on the issue is critical to moving toward solutions. To that end, the Federal Reserve Bank of Cleveland examined the challenges of concentrated poverty at its annual community development policy summit in June 2006.
Community Reinvestment Forum , Issue Fall

Journal Article
Containing a firestorm: adaptive policies needed to address changing foreclosure landscape

Like a wildfire leaving devastation in its path, the foreclosure crisis continues to wreak havoc on many families and communities throughout the Fourth District, especially in the largest urban areas. Only a year ago the primary reason for foreclosures centered on subprime mortgages. Today, the primary driver is unemployment, further widening the consumption arc of this blaze.
Community Reinvestment Forum , Issue Feb

Journal Article
Engines of growth: why low-income communities need small business

Small businesses and microenterprises have an important role to play in low- and moderate-income communities. Often they are the engines of growth in these neighborhoods.
Community Reinvestment Forum , Issue Sum

Journal Article
Exploring Appalachia: burgeoning region uses eco-heritage tourism as a tool for economic development

Although the onset of the economic slowdown sparked a slight decline in tourism in Ohio during 1999-2000, the industry's growth potential in the state and nationwide remains substantial.
Community Reinvestment Forum , Issue Sum

Journal Article
The Community Reinvestment Act: a growing tool for brownfield redevelopment

It is no accident that financial institutions in the Fourth Federal Reserve District are taking a more active role in financing the redevelopment of former industrial sites, known as brownfields. Increasing demand for vacant urban land, high suburban real estate costs, concerns about sprawl, and private-market incentives are encouraging greater financial institution participation in brownfield developments. Until recently, government-funded programs drove brownfield redevelopment. That changed in 1995, when the Community Reinvestment Act was overhauled, transforming the way financial ...
Community Reinvestment Forum , Issue Spr

Journal Article
Strategies for banking the unbanked: are they working?

Banks are looking at new approaches to serving the unbanked, but many barriers exist. KeyBank is a pioneer in offering banking services to the unbanked.
Community Reinvestment Forum , Issue Fall

Journal Article
The New Markets Tax Credit Program: will it live up to its potential?

Because many small businesses in isolated inner-city or rural locations are cut off from mainstream capital networks, a new conduit for channeling equity capital is needed?patient capital that can be used to grow a business and manage risks in less diversified economies. Many believe the New Markets Tax Credit Program, which aims to stimulate $15 billion in private equity investment in low-income communities, can provide such a conduit. While the program has many strengths, it is still too early to tell whether it will live up to its promise because the initial investments are just beginning ...
Community Reinvestment Forum , Issue Fall , Pages 1-20




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