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Report
What's Next? Factors Determining the Housing Recovery's Pace
The current balance between the number of owner-occupied homes and rental units demanded, along with existing housing supply, favors a continued recovery in house prices and construction even after temporary delays attributable to severe winter weather in 2013?14. Still, the future pace of the housing recovery will reflect important supply and demand influences?the impact of new homes on supply, market developments affecting housing prices and the alternative costs of renting.
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Choosing the road to prosperity: why we must end too big to fail—now
The too-big-to-fail institutions that amplified and prolonged the recent financial crisis remain a hindrance to full economic recovery and to the very ideal of American capitalism. It is imperative that we end TBTF.
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Regulatory Burden Rising
U.S. commercial banks face growing regulatory requirements and complexity, especially with the Dodd?Frank Wall Street Reform and Consumer Protection Act of 2010, which was intended to rein in excesses of the largest banks. The nation would be better served by a regulatory framework that more fully accounts for the operational differences between small and large banks.
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Small Banks Squeezed
With consistent loan quality and resilient lending activity, community banks?and the traditional banking model they represent?can be a much-needed force for financial stability. Unfortunately, they?ve struggled to maintain market share, partly as a result of unintended consequences of public policy.
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Community Banks Withstand the Storm
Community banks, which rely on strong customer relationships and disciplined lending practices, weathered the financial crisis better than large, nontraditional banks. This superior performance suggests that a back-to-basics approach to banking could help the nation realize financial stability that lasts.
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The Texas Energy Industry: From Boom to Gloom
Horizontal drilling and hydraulic fracturing of shale formations have transformed Texas? oil and gas sector.
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Texas Banks Enter This Downturn on Better Footing
The oil price plunge that began in mid-2014 is reminiscent of the state?s big bust nearly three decades ago, when oil prices declined more than 70 percent in real terms.
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The new paradigm
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From brawn to brains: how immigration works for America
Immigrants help fuel the U.S. economy, representing about one in every six workers. Because of accelerated immigration and slowing U.S. population growth, foreign-born workers accounted for almost half of labor force growth over the past 15 years. Public attention has forcused mainly on the large number of low-skilled immigrant workers, but the number of high-skilled immigrants actually grew faster during the period.