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View from the street of a bank built in 1917. From the photographer: The building features a red brick exterior with terra cotta trim, decorative panels with Sullivanesque detailing, Sullivanesque trim, a decorative mosaic in the tympanum below the arch above the front entrance with the word “Thrift” in gold lettering in the middle of an expanse of blue tile and decorative white, cream, green, purple, red, and orange tile accents, decorative metal lettering on the facade above the arch displaying the words “The People’s Federal Savings & Loan Assn." ... Gargoyles above the pilasters framing the front entrance, fixed glass windows at the corners, brass double doors.

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A collage of photos from stories that appeared on Shelterforce, with 2023 etched in the center.
Community Development Field

Shelterforce’s Top 10 Stories of 2023

What were the biggest Shelterforce stories of the year? We count down the top 10 of 2023.

A person in a blue jacket and blue shirt writes something down in a notebook. The person's head has been cropped out of the photo.
Opinion

Let’s Act Now to Stop Racism in Real Estate Appraisals

In 2022, a government task force released an action plan about combating bias in the appraisal industry. How can CDFIs fight back against the damage caused by under-appraisals?

A broadly smiling woman with dark skin and braids, wearing a black shirt with a green-leaf logo on it, stands in front of a medium-blue wall. A business name, The Olive Street Agency, with the green-leaf logo, is printed (or affixed) to the wall in white capital letters.
Opinion

CDFIs Shouldn’t Act Like Banks, But Too Often Do

When receiving bank funding, CDFIs often limit their investments in accordance with bank restrictions. How can reforms to the Community Reinvestment Act help center the needs of underserved communities?

people gathered under and around an information tent
Reported Article

Major Changes Coming for CDFIs

Requirements to be certified as a community development financial institution (CDFI) will soon change—and some lenders that qualified before might no longer.

A woman wearing a redish sweater and shirt look at at a piece of history at the Jack Hadley Black History Museum in Thomasville, Georgia. She is surrounding by other artifacts.
Reported Article

CDCs Are Having a Moment. Can the Momentum Last?

Over the past couple of years, community development corporations have been popping up in sometimes-unexpected places across the country. Will this increased interest in CDCs last, or is it a trend that will end when the money runs out?

Opinion

Dear CDFI Colleagues: It’s Time to be Transparent About Salaries in Job Postings

Companies that value meritocracy perform worse with pay equity when their internal policies do not align with their public-facing statements regarding pay.

Reported Article

Credit Where Credit Is Due: Expanding Access to Capital for BIPOC Developers

The dual financial system affects not only Black and Brown consumers, but Black- and Brown-led firms. In the past two years, CDFIs have focused on shifting access to capital for developers.

CDFIs

How CDFIs are Helping Small Businesses Create Good Jobs

Community development financial institutions lend to micro- and small-business owners, but the jobs those businesses create are often minimum wage, part time, or otherwise low quality. What makes a job a good job, and what are CDFIs doing to help small-business borrowers create good jobs?

Housing

Lessons from the Last Housing Crisis: How to Get Control of Properties

How to keep affordable apartments and single-family homes out of the hands of institutional investors if the coronavirus pandemic leads to a giant wave of evictions and foreclosures.

COVID

CDFIs and the Expansion of the Payroll Protection Program

The Payroll Protection Program is an expansion of a program for banks and credit unions. It offers virtually nothing to nonprofit small-business lenders.

Interrupting history
COVID

Let’s Interrupt History: Racial Equity in a Time of Crisis

Data on the pandemic shows once again the dramatic consequences of racial inequalities. CDFIs must focus on ensuring equity for Black-owned businesses.

CDFIs

Making Loans to Help Formerly Incarcerated People Get Back on Their Feet

CDFIs and nonprofits are figuring out how to help formerly incarcerated people build credit histories and access capital in order to get their lives going.