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CDCs Step In Where Banks Fear to Tread

Early in 2010, the Congressional Oversight Panel for the Troubled Asset Relief Program released a report indicating that half of the $1.4 trillion in...

Filling the Lending Vacuum

As credit tightens and higher and higher numbers of commercial real estate loans enter default, CDCs are stepping up to fill the financing gap in economic development deals from which conventional lenders have been retreating.

Pulling the Rug From Under Community Development?

Investments and funding motivated by the Community Reinvestment Act are more foundational to the work of community developers than is often discussed. But if regulations change the incentives for banks, the effects on communities will be dramatic.

Two Structured Community Development Funds: A Peek at How They Work

The details, lessons, and impact of two innovative community development funds created by Enterprise Community Partners.

Carrots, Sticks, and Economic Justice

Once upon a time, I saw the problem of providing responsible financial services as purely a policy problem. We...

CDFI Certification Helps Credit Unions Perform Better

The Credit Union National Association and the National Federation of Community Development Credit Unions released a report last week...

Challenging the Almighty Credit Score

A majority of mainstream lenders base loan approvals on a hotly debated three-digit score. Are there better, fairer ways to assess risk?

How a Dozen Organizations Are Fighting Persistent Poverty Together

A national coalition of development financial institutions, CDCs, and financial intermediaries have banded together with local leaders who live in communities where more than 20 percent of the population has lived in poverty for more than 30 years.

Battling Inequity in Food Systems with Entrepreneurship

A number of leadership organizations and initiatives–from large to small–are working to bring about greater economic opportunity in the food system and improve access to healthy food, focusing specifically on communities of color.

Rural Hospital Struggles Are Also an Economic Development Issue

Aside from the health implications, the closure of a hospital in a rural community deeply impacts the area’s economic wellbeing. But in some cases, it can be avoided.

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.

Hospital System Helps Housing Partners Unlock Capital

When plans to develop affordable housing units in San Bernardino hit a funding roadblock, Dignity Health committed a $1.2 million bridge loan to help fill the gap. But the health system didn’t stop there.

Can Using a Racial Equity Lens Increase Capital in Communities of...

If CDFIs adopted traditional appraisal standards to determine loan amounts, they'd make very few loans in the communities they were founded to serve.

“Why Would a Hospital Do This?” Shifting Institutional Culture for Health...

Hanaa Hamdi is the director of health impact investment strategies and partnerships at New Jersey Community Capital, the state’s largest CDFI. Michellene Davis is...

The Housing Crisis and the Landscape of Affordable Housing

As home prices continue to fall, the notion that the real estate market will allow for lower-income families to secure affordable housing increases. But it's not so cut and dried. How much a home costs is only one of many factors when determining affordability. In March 2012, Shelterforce hosted a roundtable discussion featuring leading research and policy experts to explore those various components of affordability looking at just how the housing crisis changed the affordable housing landscape in the United States.

The Past, Present, and Future of Community Development

The changing face of achieving equity in health, education, and housing in the United States.

Changing the Way We Think About Poor Rural Communities

Rural communities are very different places—separated by climate, geography, and often race. But in many other ways, these communities are far more similar than different.

The Swiss Army Knife of Community Development

Across America—in inner city neighborhoods and rural towns alike—the level of economic and social distress is rising. Although these...

Now You See the Money, Now You Don’t

Since November of last year, the United States Justice Department has announced multi-billion dollar settlements with the nation’s three largest banks – Citi, JPMorgan Chase and Bank of America (BoA) – over what Justice calls the “packaging, marketing, sale and issuance of residential mortgage-backed securities.” Collectively, these three banks have agreed to pay a total […]

Asset-Building Comes of Age

From IDAs to comprehensive community wealth building, the number of strategies to increase personal and collective assets is growing.

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