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Financial System
“Income is how you get out of poverty; assets are how you stay out.” How do we build policies, programs, and products that reduce systematic inequality and advance financial security for all?
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Affordable Housing Financing Is Overpriced, But It Doesn’t Have to Be
Affordable housing construction finance reflects market norms, but its track record shows it’s far less risky than conventional market-rate housing loans. While lower default rates should lead to lower interest rates, they currently do not.
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Creating Stakeholders with Individual Development Accounts
Millions of Americans have built assets and improved their economic standing through higher education, business creation, and homeownership. Yet in order to engage in such efforts, most people need […]
Community Reinvestment Act (CRA) and HMDA: Tools for Reinvestment, by Chris Bohner
For the last twenty years, community activists across the country have organized residents to fight banks and thrifts that “redline”: i.e., refuse to provide credit and services to low-income and […]
Coalition of Lenders and Investors Help Create the Community Development Financial Institution Act of 1994
When more than 500 hundred people met for the Community Development Financial Institution (CDFI) Training Institute in Durham, NC, in late January, 1994, participants called this first official gathering […]