Community Dividend covers topics on community reinvestment and neighborhood lending. It reaches financial institutions, community-based organizations, development organizations, and government units throughout the Ninth Federal Reserve District.

2008

Issue No. 1

• Expanding the success of the Earned Income Tax Credit
• Creating a win-win way to provide free tax help: Bethel University and AccountAbility Minnesota share lessons learned
• Menominee poster contest promotes free tax prep
• Achieving economies of scale through strategic restructuring: The case of Sparc

2007

Issue No. 4

• Community benefits agreements: A tool for more equitable development?
• Getting kids kindergarten-ready: A profile of the Minnesota Early Learning Foundation
• Bitterroot Valley loan program turns teachers into homeowners

Issue No. 3

• Community land trusts strive for permanent housing affordability
• A conversation with Jeff Washburne: Director, City of Lakes Community Land Trust
• If most Americans already save enough, what should financial educators teach?
• A new economic era for Native communities

Issue No. 2

• Microenterprise development in the U.S.: Past, present and future
• Aim of Pension Protection Act is to increase personal retirement savings
• Tribal update: Nation building in the Ninth District

Issue No. 1

• 2005 revisions define new CRA-eligible geographic areas
• Workshop promotes Native youth financial education
• CRA exam basics and Ninth District ratings breakdown

2006

Issue No. 5

• Editor's Note
• African American enterprises on the rise in Minnesota: Nonprofits, other groups stand ready to help small businesses bloom
• Rural Minnesota county invests early to help kids succeed
• Newly formed business alliance promotes Montana's "Indianpreneurs"

Issue No. 4

• Editor's Note
• Disaster recovery for low-income people: Lessons from the Grand Forks flood
• Fed-led research reveals need for better Twin Cities foreclosure data
• Update on Minnesota minority homeownership initiative

Issue No. 3

• Editor's Note
• Tribal-citizen entrepreneurship: What does it mean for Indian Country, and how can tribes support it?
• License to deal: Regulation in the mortgage broker industry

Issue No. 2

• Lessons learned from a financial education pilot for Native youth
• Ninth District Jump$tart Update

Issue No. 1

• Editor's Note
• A super model: New secured transaction code offers legal uniformity, economic promise for Indian Country
• Can HMDA data herald neighborhood changes?
• Minnesota loan fund offers capital through community collaboration
• Bridges joins Swanson as Ninth District CAC member

2005

Issue No. 4

• Editor's Note
• Foreclosure prevention is Minnesota group's mission
• Post-purchase counseling: An EMHI strategy to close homeownership gaps
• Mutual rewards: Thoughts on serving as a board member for a nonprofit organization
• VITA initiative provides free tax preparation in North Central Montana
• Policy summit highlight: CRA changes create new bank category

Issue No. 3

• Editor's Note
• CDFIs at a crossroads: A conversation with Mark Pinsky of National Community Capital Association
• Mortgage agreements expand homeownership opportunities on tribal lands
• Twin Cities refugee groups tackle community development

Issue No. 2

• Editor's Note
• Homeownership initiative targets Minnesota's emerging markets
• Homeownership gap calls for broad, balanced response
• Housing data show gains, not parity, for some groups

Issue No. 1

• Tribal colleges can be a key to Native entrepreneurship
• Native Financial Education Coalition works to strengthen tribal economies

2004

Issue No. 2

• Community Affairs Officer's note
• With support, securitization could boost community development industry
• VITA sites provide outreach, tax help to low-income workers
     ¿Califica para el Crédito por Ingreso de Trabajo?
• Montana Financial Education Coalition gains momentum

Issue No. 1

• Community Affairs Officer's note
• Board proposes uniform disclosures for five consumer protection regulations
• For seniors, reverse borrowing can be a financial step forward
• A unique partnership provides housing help in Montana

2003

Issue No. 2

• Community Affairs Officer's note
• A better day in the neighborhood: The rise and decline of poverty concentration in the Twin Cities, 1970–2000
• Demographic trends reveal mixed portrait of Ninth District reservations
• HUD program is a key to Native American homeownership in the Ninth District
• ECOA amendments allow lenders an exception for self-testing
• A Conversation with . . . Chuck Johnson of the State of Minnesota Department of Human Services
• Resources

Issue No. 1

• Community Affairs Officer's note
• Credit availability: A snapshot of the Hmong business community in Minneapolis and St. Paul
• Fed luncheon focuses on credit access in the Twin Cities Hmong community
• Linking immigrants to farming opportunities
• HMDA changes are on the way; new rules take effect in 2004
• Fed launches national initiative to promote financial education
• A Conversation With... Kou Vang of JB Realty
• Resources

2002

Issue No. 2

• Community Affairs Officer's note
• Financial literacy education: A potential tool for reducing predatory lending?
• Property flipping in the Twin Cities
• Federal Reserve Governor Bies tours St. Paul neighborhoods
• A Conversation With... Claudia Parliament and Dick Todd
• Resources

Issue No. 1

• Community Affairs Officer's note
• Alternative financing: Issues and opportunities for lenders and interest-averse populations
• Size of Twin Cities Muslim community difficult to determine
• A Conversation With... Wafiq Fannoun and Hussein Samatar
• Resources

2001

Issue No. 2

• Community Affairs Manager's note
• Entrepreneurship in rural communities: An emerging strategy presents opportunities and challenges
• Three-part series highlights development tools
• Fed Gov. Gramlich tours Great Falls for look at affordable housing efforts
• Resources
• A Conversation With... Jay Kayne of the Kauffman Center for Entrepreneurial Leadership and Don Macke of the Rural Entrepreneurship Initiative

Issue No. 1

• Community Affairs Manager's note
• Community Development under the CRA: Review of the 1995 regulations begins
• Fed. Governor Gramlich discusses the problem of predatory lending
• New Markets Tax Credits: the next tool for community-development financing
• Mongolia: ancient country works through daunting economic challenges
• Resources
• A Conversation With... JoAnne Lewellen, former Community Affairs Officer, Federal Reserve Bank of Minneapolis

2000

Issue No. 2

• Community Affairs Officer's note
• Economic Development in Indian Country: Lessons learned by The Lakota Fund
• Fed. Gov. Gramlich tours Phalen Corridor project in St. Paul
• How do lenders set interest rates on loans?
• Walking the Native Path to Economic Development: Results of Fall 1999 conference
• Resources
• A Conversation With... Elsie Meeks of The Lakota Fund

Issue No. 1

• Community Affairs Officer's note
• Rural CDCs: Building the capacity for success
• Revolving Loan Funds: A source of capital in South Dakota
• Resources
• A Conversation With... Elise Hoben and Bob Poznanski of Rural LISC

1999

Issue No. 3

• Community Affairs Officer's note
• Partnerships and financing are key to mixed-use development
• Consumer and Compliance Issues: Risk-focused fair lending examinations
• Ninth District Finalists: Harvard recognizes outstanding tribal governance programs
• Resources

Issue No. 2

• Community Affairs Officer's note
• Personal Finance: The bedrock of a community's financial health
• Consumer & Compliance Issues: Credit card buyers, look before you leap to a new card
• Congratulations: Microenterprise awards are announced
• Community Reinvestment Resources

Issues prior to 1999 Issue No. 2

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