Topic - Community Development

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Fed creates online portal to its community development resources

July 2014 - Community Dividend

Helping small businesses survive big construction: Strategies from the Green Line LRT project

When major construction tore up a busy Twin Cities thoroughfare, a public-private partnership mobilized to help small businesses weather the disruptions.
Jacob Wascalus
July 2014 - Community Dividend

Maximizing the tribal land buy-back program: How priority lists can help tribes influence what's purchased

By identifying desirable parcels for development, American Indian tribes can make the most of a federal program that's putting reservation land back in tribal hands.
Jacob Wascalus
July 2014 - Community Dividend

Minneapolis Fed launches consumer credit data page

July 2014 - Community Dividend

Northside Achievement Zone aims to break the poverty cycle through education

A collaborative effort among schools, neighborhood groups, and service organizations is working to boost academic performance and family stability in North Minneapolis.
Jacob Wascalus
July 2014 - Community Dividend

State incentive fund helps ease North Dakota's affordable housing shortage

The North Dakota Housing Incentive Fund, a tax-incentive program to fund housing for essential workers and low- to moderate-income people, is a hit with contributors and developers alike.
Paula Woessner
July 2014 - Community Dividend

Treasury announces $153 million in New Markets Tax Credit allocations for three Ninth District organizations

July 2014 - Community Dividend

CDFIs emerge as key partners in improving community health

Community development financial institutions often play a critical role in financing the infrastructure that makes good health possible.
Ela Rausch
April 2014 - Community Dividend

CFSI releases small-dollar credit products guide

April 2014 - Community Dividend

Dakota Resources coaches rural towns on development strategies

Communities in rural South Dakota have a partner in Dakota Resources, a not-for-profit organization dedicated to revitalizing the state's small towns.
Angela Eilers
April 2014 - Community Dividend

First-ever tribal national park planned for Pine Ridge

April 2014 - Community Dividend

Mass CDFI recertification push winnows list, ensures compliance

A 2013 mandate from the U.S. Treasury resulted in a reduced but focused pool of community development financial institutions.
Jacob Wascalus
April 2014 - Community Dividend

North Dakota oil boomtown has nation's highest rent

April 2014 - Community Dividend

With bank support, arts organizations help build better communities

Investments in local arts and culture can create social, human, and economic capital.
Jacob Wascalus
April 2014 - Community Dividend

CDFI Fund announces $17 million in Bank Enterprise Awards

January 2014 - Community Dividend

Farm to school movement connects kids and healthy foods

More and more schools are using their local purchasing power to change the relationship students have with food.
Jacob Wascalus
January 2014 - Community Dividend

Healthy food access does indeed matter, report on recent research says

January 2014 - Community Dividend

How did community land trusts survive the housing crash?

Thanks to some of their features and practices, these shared-equity homeownership organizations appear to have weathered the recent crisis relatively well.
Harshada Karnik
January 2014 - Community Dividend

Making surety bonds a surer thing for Native contractors

Recent changes to a federal bond-guarantee program could help construction firms in Indian Country and elsewhere do business.
Andrew Twite, Ahna Minge
January 2014 - Community Dividend

Minneapolis Fed releases Housing Market Index report

January 2014 - Community Dividend

Mitchell, S.D., named a Smart21 Community

January 2014 - Community Dividend

Returning to the mortgage market post-default: The neighborhood effect

A recent analysis suggests that when it comes to reentering the mortgage market after a default, geography matters.
Michael Grover
January 2014 - Community Dividend

Ninth District Insight Report - Quarter 2, 2013

November 2013 - Ninth District Insight

Census data show U.S. poverty rate holding steady, but still higher than pre-recession level

October 2013 - Community Dividend

Collaborating to create affordable housing: A conversation with Alan Arthur of Aeon

Community Dividend asks Alan Arthur, president and CEO of Minneapolis-based Aeon, how his organization is navigating the post-recession affordable housing environment in the Twin Cities.
Jacob Wascalus
October 2013 - Community Dividend

Development programs help ex-offenders join the workforce

Helping people who have criminal records find sustained, gainful employment could help produce savings and benefits for both the ex-offenders and society at large.
Jacob Wascalus
October 2013 - Community Dividend

Interactive web tool maps urban poverty by race

October 2013 - Community Dividend

Long-awaited rules require the BIA to "buy Indian"

New rules that implement the Buy Indian Act of 1910 give procurement preferences to Indian-owned businesses.
Paula Woessner
October 2013 - Community Dividend

Ninth District tribal colleges receive leadership awards

October 2013 - Community Dividend

Rural Data Portal gets an update

October 2013 - Community Dividend

Techies and neighborhood groups hack their way to community solutions

At civic hackathons, community leaders and volunteer technologists join forces to design and build digital tools that address local needs.
Jacob Wascalus
October 2013 - Community Dividend

Eastside Financial Center launches prepaid card with unique perks

A new prepaid card product available to households in the Twin Cities is designed to help manage cardholders' personal finances while keeping fees in check.
Ela Rausch
July 2013 - Community Dividend

Federal tax credit program helps spur Butte business revival

With the help of New Markets Tax Credits, a mixed-use redevelopment project in Uptown Butte, Mont., is catalyzing further revitalization in the area.
Jacob Wascalus
July 2013 - Community Dividend

Minneapolis Fed co-authors report on collaborations to improve community health

July 2013 - Community Dividend

Rise in smartphones puts more financial tools in the hands of the unbanked

Recent reports suggest that mobile banking's potential to reach unbanked and underbanked individuals is growing quickly
Richard M. Todd
July 2013 - Community Dividend

Social impact bonds offer promise of savings, profits, and positive outcomes

A performance-based social investment tool being piloted in some communities offers a new model for delivering social services.
Jacob Wascalus
July 2013 - Community Dividend

Strengthening the performance of nonprofits: A conversation with Steve Rothschild of Invest in Outcomes

Author and nonprofit leader Steve Rothschild discusses the principles social enterprises should follow to achieve success.
Jacob Wascalus
July 2013 - Community Dividend

Study confirms that pre-purchase counseling reduces mortgage delinquencies

July 2013 - Community Dividend

USDA report explores what rural means

July 2013 - Community Dividend

Ninth District Insight Report - Quarter 4, 2012

April 2013 - Ninth District Insight

Contract for deed emerges as a tool for affordable housing organizations

Nonprofits are using this alternative home-financing option to help prospective buyers who cannot yet qualify for a traditional mortgage.
Jacob Wascalus
April 2013 - Community Dividend

Childhood poverty rate climbs past 20 percent in the U.S.

January 2013 - Community Dividend

Fiddler appointed to Community Development Advisory Board

January 2013 - Community Dividend

Human service organizations "tread water" in face of funding uncertainty

Unpredictability over public funding levels is hampering many nonprofit organizations' efforts to improve or expand services.
Jacob Wascalus
January 2013 - Community Dividend

New credit union promotes financial access on Pine Ridge reservation

The first-ever federally insured financial institution on the Pine Ridge Indian Reservation in South Dakota is open for business.
Paula Woessner
January 2013 - Community Dividend

Rural CDFIs: Creating connections to marketplaces: A conversation with Mary Mathews of the Entrepreneur Fund

Community Dividend speaks with Mary Mathews, founding president and CEO of the Entrepreneur Fund, to learn about the circumstances and challenges rural community development financial institutions (CD
Michou Kokodoko
January 2013 - Community Dividend

Service providers retool and collaborate to address increase in suburban poverty

Suburban communities in the Minneapolis-St. Paul region now have nearly as many impoverished residents as the central cities, and local assistance organizations are modifying their approaches in respo
Jacob Wascalus
January 2013 - Community Dividend

Three Affiliated Tribes to build oil refinery

January 2013 - Community Dividend

Treasury's CDFI Fund announces nearly $18 million in Bank Enterprise Awards

January 2013 - Community Dividend

Ninth District Insight Report - Quarter 2, 2012

Published by the Community Development Department of the Federal Reserve Bank of Minneapolis
December 2012 - Ninth District Insight

"Agripreneur" program helps rural Latinos become small-scale farmers

An initiative of Minneapolis-based Main Street Project teaches budding farmers, or "agripreneurs," to raise and sell poultry and other agricultural products as part of an emerging local food network.
Jacob Wascalus
October 2012 - Community Dividend

Business Correspondent model boosts financial inclusion in India

An innovative, technology-based banking model is giving people in remote areas of India access to formal financial institutions.
Anupam Kishore
October 2012 - Community Dividend

CDFI News

October 2012 - Community Dividend

Data analysis shows extent of underwater mortgage problem in the Twin Cities

A new indicator-based analysis reveals that the greater Minneapolis-St. Paul area has the highest rates of negative equity in the Ninth Federal Reserve District.
Michael Williams
October 2012 - Community Dividend

Free tax preparers reach out to EITC claimants

Organizations that provide free tax preparation assistance to low-income people are working to attract more eligible filers to their offices.
Jacob Wascalus
October 2012 - Community Dividend

Goldman Sachs awards $4.4 million to Montana CDC

October 2012 - Community Dividend

North Dakota oil boom squeezes seniors who rent

The surging energy industry in the Bakken oil patch may be making life harder for some area residents, particularly the elderly.
Jacob Wascalus
October 2012 - Community Dividend

Regulators extend independent foreclosure review deadline to December 31, 2012

October 2012 - Community Dividend

Report examines realities of payday loans

October 2012 - Community Dividend

Call for papers: The eighth biennial Federal Reserve community development research conference

July 2012 - Community Dividend

Citi Foundation awards entrepreneurship grant to SDIBA

July 2012 - Community Dividend

Fed releases report on economic development in Indian Country

July 2012 - Community Dividend

Less affluent students face mounting college debt challenges

Recent reports confirm that students from low- to moderate-income families graduate with greater student debt burdens than their more affluent peers.
Michael Grover
July 2012 - Community Dividend

Ninth District community conditions are mixed, Minneapolis Fed report finds

July 2012 - Community Dividend

Spanning the spectrum of Native workforce development

Initiatives under way in the Ninth District demonstrate that Native-focused organizations are working to increase work preparedness, education levels, and employment rates in the communities they serv
Jacob Wascalus
July 2012 - Community Dividend

United Way's ROI project measures job training outcomes

A Return on Investment evaluation initiative is yielding impressive and meaningful results.
Sarah Radosevich
July 2012 - Community Dividend

What ails the housing market? Part 1: A brief exploration of key factors inhibiting home buying

Despite low prices and interest rates, the housing market remains sluggish. Why?
Jacob Wascalus
July 2012 - Community Dividend

What ails the housing market? Part 2: Perspectives from industry professionals

Individuals from the real estate, community development, banking, and government sectors share their views.
Jacob Wascalus
July 2012 - Community Dividend

Ninth District Insight Report - Quarter 4, 2011

Published by the Community Development Department of the Federal Reserve Bank of Minneapolis
June 2012 - Ninth District Insight

Exploring Innovations essay contest winner: Restructuring the New Markets Tax Credit Program: Three proposed changes for increasing efficiency

A Ninth District student's winning entry in the 2011 Exploring Innovations conference essay contest, which asked, "Is the New Markets Tax Credit Program the most effective way to subsidize the creatio
Guncha Jumakuliyeva
April 2012 - Community Dividend

Create Jobs for USA Fund awards grant to Montana CDC

April 2012 - Community Dividend

Mini-banks provide hands-on education in personal finance

School-based, student-oriented banking operations teach kids the fundamentals of saving.
Jacob Wascalus
April 2012 - Community Dividend

More U.S. households face severe housing cost burdens, study finds

April 2012 - Community Dividend

Protecting Tenants at Foreclosure Act guarantees renters a baseline of legal rights

A recently enacted federal law sets a minimum amount of time for renters to continue residing in foreclosed homes.
Jacob Wascalus
April 2012 - Community Dividend

Tribal college receives $18.9 million for career training initiative

April 2012 - Community Dividend

Twin Cities organization expands role of land banks

Through its acquisition, community lending, and land-banking programs, Twin Cities Community Land Bank is contributing to the Minneapolis-St. Paul area's foreclosure recovery efforts.
Jacob Wascalus
April 2012 - Community Dividend

U.S. Treasury awards $185 million in New Markets Tax Credits to four Ninth District organizations

April 2012 - Community Dividend

Creating better choices for the underbanked: A conversation with Jennifer Tescher of the Center for Financial Services Innovation

Community Dividend speaks with Jennifer Tescher, a nationally known expert on financial access and asset building, to learn about strategies and products for helping underbanked consumers prosper.
Michael Grover
January 2012 - Community Dividend

Energizing Native economies: Tribes build corporate governance to spur investment and development

Some American Indian tribes are overhauling their corporate governance structures in order to facilitate energy projects and other economic development on tribal lands.
Paula Woessner
January 2012 - Community Dividend

Fed Community Development offices launch community survey initiatives

A new Reserve Bank-led initiative is designed to gather front-line information on economic conditions in low- to moderate-income communities.
Ela Rausch
January 2012 - Community Dividend

Leech Lake Band and State of Minnesota sign lien-filing agreement

January 2012 - Community Dividend

Minneapolis Fed launches Ninth District Community Insight report series

January 2012 - Community Dividend

Montana CDC project receives top honor

January 2012 - Community Dividend

MyMoneyCheckUp offers free, personalized assessments of consumers' finances

January 2012 - Community Dividend

Native CDFI News

January 2012 - Community Dividend

Research review: Child development findings support and inform personal financial education from an early age

A recently released literature review suggests personal financial education belongs in elementary and middle schools, not just high schools.
Richard M. Todd
January 2012 - Community Dividend

Bank On gets its game on

Bank On, a customizable program for helping unbanked individuals join the financial mainstream, is catching on in communities across the country.
May Xiong
October 2011 - Community Dividend

Bridges joins the Minneapolis Fed

October 2011 - Community Dividend

Harvest Initiative and Hunkpati Investments: Stirring up economic development on the Crow Creek reservation

The story of how residents of the Crow Creek Indian reservation, a prominent businessman, a church congregation, and two young attorneys came to be deeply involved in improving the reservation's econo
Sandy Gerber
October 2011 - Community Dividend

Little Mogadishu in the All-America City? Somali entrepreneurship in Willmar, Minnesota

Somali immigrants encounter acceptance and some challenges as they establish businesses in a small city in central Minnesota.
Nima Hassan
October 2011 - Community Dividend

Making the New Markets Tax Credit work in Native communities

Some Native communities have had success in attracting New Markets Tax Credit investments, despite unique challenges involved in implementing the program in Indian Country.
Michou Kokodoko
October 2011 - Community Dividend

Native American Credit Counseling initiative aims to bridge the credit gap in Indian Country

A certification program created by Rural Dynamics/Consumer Credit Counseling Service of Montana is designed to build credit counseling education and services in Native communities.
Sue Woodrow, Jolene Bach
October 2011 - Community Dividend

U.S. Treasury announces 2011 CDFI awards

October 2011 - Community Dividend

Workforce 2020: Uniting business and education in Rochester, Minnesota

A unique initiative led by a broad-based group of community leaders is working to address workforce development issues in Rochester, Minn.
Wudase Tefera
October 2011 - Community Dividend

Early, Broadly, and Through Young Adulthood: A Child Development Perspective on Youth Personal Financial Education

Research suggests that educators should use findings in psychology and behavioral economics to enhance youth personal financial instruction.
Richard M. Todd
September 2011 - Community Development Papers

Commerce, USDA release online mapping tools

July 2011 - Community Dividend

Delinquencies and foreclosures in rural areas: A snapshot of the recent performance of mortgages in Michigan's Upper Peninsula

An analysis of newly acquired mortgage data reveals that the Upper Peninsula fared better than other parts of Michigan during the recent foreclosure crisis.
Michael Grover
July 2011 - Community Dividend

Measuring the impact of community development: A conversation with Paul Mattessich of Wilder Research

Community Dividend speaks with Paul Mattessich, executive director of Wilder Research, about how to effectively and affordably measure the impact of community development work.
Ela Rausch
July 2011 - Community Dividend

Minneapolis Fed launches Indian Country Currents site

July 2011 - Community Dividend

Recent demographic data reveal effects of economic slowdown in Indian Country

New data from the U.S. Census Bureau confirm that economic trends on American Indian reservations in the Ninth District worsened or stagnated during the recent recession.
Michael Grover
July 2011 - Community Dividend

Recent rule changes expand definition of community development under the CRA

New modifications to the CRA rules are designed to encourage financial institutions to help stabilize foreclosure-ravaged communities.
Paula Woessner
July 2011 - Community Dividend

Standing receives Minority Small Business Champion Award

July 2011 - Community Dividend

homeWORD receives 2011 Innovation Award

July 2011 - Community Dividend

Census Bureau revamps American FactFinder

April 2011 - Community Dividend

FLEC releases national financial literacy strategy

April 2011 - Community Dividend

Fed releases two new consumer credit guides

April 2011 - Community Dividend

Fuhrman joins Consumer Advisory Council

April 2011 - Community Dividend

HUD awards $73 million to housing counseling organizations

April 2011 - Community Dividend

Hispanic entrepreneurship grows, but barriers persist

Despite recent progress, Hispanic-owned firms lag behind in some respects. Fortunately, federal and nonprofit agencies offer programs designed to help close the gap.
Michou Kokodoko
April 2011 - Community Dividend

Making financial education work in the workplace: The Citigroup experience

When financial services giant Citigroup implemented workplace-based financial education workshops, it learned lessons that may help other employers deliver effective financial education programs of th
Dara Duguay, William J. Arnone
April 2011 - Community Dividend

On the front lines of the housing crisis: A conversation with Julie Gugin of the Minnesota Home Ownership Center

Community Dividend speaks with Julie Gugin, executive director of the Minnesota Home Ownership Center, to learn how foreclosure counselors are responding to unprecedented challenges in the housing mar
Michael Grover
April 2011 - Community Dividend

Site provides state-by-state assessments of financial capability

April 2011 - Community Dividend

CDFI News

January 2011 - Community Dividend

CFSI releases guide to prepaid cards

January 2011 - Community Dividend

Envisioning a different type of suburb

An interview with University of Minnesota geographer Brenda Kayzar
Phil Davies
January 2011 - fedgazette

Fannie Mae launches site for struggling homeowners

January 2011 - Community Dividend

How good is the Good Faith Estimate?

An analysis of new research suggests that, contrary to the views of some observers, the Good Faith Estimate disclosure has been an accurate predictor of actual mortgage closing costs.
J. Michael Collins
January 2011 - Community Dividend

New publication describes Fed foreclosure initiatives

January 2011 - Community Dividend

Nonprofit credit counselors provide one-on-one help for consumers in crisis

In the aftermath of the recent economic meltdown, nonprofit consumer credit counseling agencies have seen unprecedented demand for their services.
Paula Woessner
January 2011 - Community Dividend

Transportation partnership offers economic hope in north central Montana

For many residents of Montana's Hi-Line region, an innovative transit partnership provides the means to pursue an education, commute to work, or access important services.
Sue Woodrow, Day Soriano
January 2011 - Community Dividend

Wandering in the desert

New research maps “food deserts” in the district, but it’s unclear what they measure, and how they address obesity
Joe Mahon
November 2010 - fedgazette

Adopting a place-conscious approach to community development: A conversation with Margery Austin Turner of the Urban Institute

Community Dividend speaks with Margery Austin Turner, Vice President for Research at the Urban Institute's Metropolitan Housing and Communities Policy Center, to learn about her comprehensive, thought
Sandy Gerber
October 2010 - Community Dividend

Beware of some payday loan alternatives, report says

October 2010 - Community Dividend

Brookings launches two interactive data tools

October 2010 - Community Dividend

Fed creates online database of credit card agreements

October 2010 - Community Dividend

Federal government releases plan to end homelessness

October 2010 - Community Dividend

NeighborWorks Montana receives Top Producer award

October 2010 - Community Dividend

Ninth District community developers use green innovations to help make housing affordable

For affordable housing developers, the goal of "going green" is not only to provide permanent shelter and community stabilization at a lower cost, but to provide low-income families with long-term red
Deborah Booth Summers
October 2010 - Community Dividend

Small talk: An interview with three small-town advocates

Challenges and opportunities abound in rural communities
Ronald A. Wirtz
October 2010 - fedgazette

Survey takes stock of state financial education requirements

A recent National Council on Economic Education survey reveals that more states are adding personal finance and economics to their required K-12 curricula.
Michael Grover
October 2010 - Community Dividend

Board releases two new consumer education resources

July 2010 - Community Dividend

Community Affairs publications update

July 2010 - Community Dividend

Ethics as a building block of economic growth: Global insights and Indian Country models

An effective institutional framework to encourage and manage ethical behavior is a crucial aspect of good governance.
Sue Woodrow
July 2010 - Community Dividend

Fed Governor Duke tours Minneapolis marketplaces

On a recent visit, Federal Reserve Governor Elizabeth Duke toured two culturally diverse marketplaces that have helped revitalize their surrounding neighborhoods.
July 2010 - Community Dividend

Research examines the receipt of earned income tax credits among welfare recipients

According to the research on earned income tax credits, welfare recipients who work are less likely to receive the credits than eligible individuals who are not on welfare.
Donald P. Hirasuna
July 2010 - Community Dividend

Starting up when the economy's down: A snapshot of Minnesota's new entrepreneurs

During the recent recession, when most people tightened their belts and took fewer financial risks, thousands of entrepreneurs mustered their courage and decided to try business ownership.
Michou Kokodoko
July 2010 - Community Dividend

Union Atlantic

Book review
Ryan Williams
June 2010 - The Region

Institutions or Individuals?

Different views on financial collapse
June 2010 - The Region

Family Housing Fund launches Twin Cities Community Land Bank

April 2010 - Community Dividend

Horizons program mobilizes communities to address rural poverty

A leadership-development program designed for small, rural towns demonstrates how communities that become aware, engaged, and energized about poverty issues can make change happen.
Joyce Hoelting
April 2010 - Community Dividend

Minneapolis Fed releases two new Community Affairs reports

April 2010 - Community Dividend

Minnesota Home Ownership Center case study illuminates costs of foreclosure counseling

Using a cost analysis, the authors identify how one Minnesota nonprofit can achieve further efficiencies in the design and delivery of its homeownership services.
Richard M. Todd, Leo T. Gabriel
April 2010 - Community Dividend

No shortage of credit here

Municipal bond market active, with help from Uncle Sam
Ronald A. Wirtz
April 2010 - fedgazette

Gaining a Better Understanding of the Costs of Homeownership Programs: A Case Study and Recommendations for Minnesota's Home Ownership Center

An analysis of program costs for the Minnesota Home Ownership Center's three primary services: homeownership classes, pre-purchase home buyer counseling, and foreclosure counseling.
Richard M. Todd, Leo T. Gabriel
March 2010 - Community Development Papers

CRE: The cracked glass slipper?

CRE exposure and delinquencies are on the rise for Ninth District banks, but the full fallout is difficult to gauge
Ronald A. Wirtz
January 2010 - fedgazette

Collateral damage

While real estate still struggles through the housing collapse, commercial mortgages are piling on more pain
Ronald A. Wirtz
January 2010 - fedgazette

Minnesota's Earned Income Credit Program: Utilization by Current and Former Welfare Households and the Impact of Policy Parameters

An analysis of utilization of the State of Minnesota's earned income credit (the Working Family Credit) among current and former welfare recipients.
Donald P. Hirasuna, Thomas F. Stinson
December 2009 - Community Development Papers

2008 was a mixed year for CDCUs, report says

November 2009 - Community Dividend

CRF to launch green loan program for small businesses

November 2009 - Community Dividend

Fed offers tips for HELOC lenders and borrowers

November 2009 - Community Dividend

Gender and financial literacy: A conversation with Annamaria Lusardi of Dartmouth College

Community Dividend speaks with Dr. Annamaria Lusardi of Dartmouth College to learn about the gender gap in financial literacy and discuss how financial educators can reach women more effectiv
Ericca Maas
November 2009 - Community Dividend

New federal law protects tenants of foreclosed properties

November 2009 - Community Dividend

Overcoming start-up barriers: Native-owned food business serves up lessons learned

The founders of Native American Natural Foods demonstrate that the goal of starting up a well-positioned business on an Indian reservation is attainable, provided certain elements are in place.
Sandy Gerber
November 2009 - Community Dividend

Report sums up research on social effects of foreclosures

November 2009 - Community Dividend

The L3C: A new business model for socially responsible investing

The low-profit limited liability company, or L3C, is a newly developed form of business that blends attributes of nonprofit and for-profit organizations in order to promote investment in so
Sue Woodrow, Steve Davis
November 2009 - Community Dividend

OMG! Like, where are all the teen workers?

Teens have been quietly, and increasingly, leaving the labor force
Ronald A. Wirtz
September 2009 - fedgazette

What grows in the Ninth, stays in the Ninth

Community supported agriculture flourishes in the district
Joe Mahon, Kathy Cobb
September 2009 - fedgazette

Census data show homeownership rate has fallen to 2000 levels

July 2009 - Community Dividend

Fed offers credit card payment calculator

July 2009 - Community Dividend

Fed survey shows widespread increases in net worth preceded the current financial crisis

The latest release of the Fed's triennial Survey of Consumer Finances shows significant gains in Americans' net worth before the financial crisis erupted in late 2007.
Richard M. Todd
July 2009 - Community Dividend

Minnesota Home Ownership Center assumes responsibility for EMHI

July 2009 - Community Dividend

New Markets Mortgage program broadens homeownership opportunities in Minnesota

A new profit-based mortgage product offered by the African Development Center in Minneapolis could help make homeownership possible for Muslims and other interest-averse communities.
Paula Woessner
July 2009 - Community Dividend

Revisiting the place-based CDC model: A conversation with Brian Miller of Seward Redesign

Community Dividend speaks with Brian Miller, executive director of Seward Redesign in Minneapolis, to learn how neighborhood-based community development corporations are coping in these uncer
Michou Kokodoko
July 2009 - Community Dividend

Financial literacy especially low among Native youth, survey finds

May 2009 - Community Dividend

Homeownership gaps among Indian reservations prove puzzling

An analysis of some persistent gaps in homeownership rates among American Indian reservations in the Ninth Federal Reserve District.
Richard M. Todd, Federico Burlon
May 2009 - Community Dividend

Land banks as a neighborhood recovery strategy: A conversation with Dan Kildee of Michigan's Genesee County Land Bank

Community Dividend speaks with Dan Kildee, Genesee County treasurer and board chair of the Genesee County Land Bank, to learn more about how land banking is contributing to redevelopment in F
Michael Grover
May 2009 - Community Dividend

Lessons learned from 22 years of debt mediation

The 22-year history of the Minnesota Farmer-Lender Mediation Program offers useful lessons about debt mediation that can be applied to our current foreclosure crisis.
Joyce Hoelting
May 2009 - Community Dividend

Minneapolis Fed offers class supplements for economics educators

May 2009 - Community Dividend

Newly released guides explain the financial crisis

May 2009 - Community Dividend

Partners unveil foreclosure resource site

May 2009 - Community Dividend

Tingerthal joins Consumer Advisory Council

May 2009 - Community Dividend

Did the CRA cause the mortgage market meltdown?

Two Federal Reserve economists examine whether available data support critics' claims that the Community Reinvestment Act spawned the subprime mortgage crisis.
Neil Bhutta, Glenn B. Canner
March 2009 - Community Dividend

Strengthening the Earned Income Tax Credit: Alternatives to refund anticipation loans

A collaborative effort in the Ninth Federal Reserve District has created an alternative to traditional refund anticipation loans that gives workers fast access to tax refunds at little cost.
Sandy Gerber
March 2009 - Community Dividend

Earning income, serving the community: Guidance for building a social enterprise

A description of the important steps nonprofit organizations should follow when creating enterprises to boost their earned income.
Kate Barr
January 2009 - Community Dividend

Fed releases report on concentrated poverty

January 2009 - Community Dividend

NeighborWorks America releases report on foreclosure counseling

January 2009 - Community Dividend

Risks and realities of the contract for deed

While contracts for deed offer some advantages over a traditional mortgage, such as speed and simplicity, they can entail distinct risks for buyers and sellers. This article presents basic facts and
Crystal Myslajek
January 2009 - Community Dividend

Weathering the storm: Community developers in Minnesota face the foreclosure crisis

A close look at foreclosures in Minnesota and the ways communities are addressing the problem, individually and collectively.
Andriana Abariotes, Rose Carr
January 2009 - Community Dividend

Community Affairs releases report on Hmong homeownership rates

November 2008 - Community Dividend

Directo a Mexico helps customers join the financial system

The Directo a Mexico remittance service could have two major benefits: helping financial institutions in the U.S. compete more effectively in the money-transfer market, and increasing the number of Me
Michael Grover, Jimmy Nguyen
November 2008 - Community Dividend

Fed launches online guide to mortgage refinancing

November 2008 - Community Dividend

Fed, NeighborWorks America partner to address foreclosures

November 2008 - Community Dividend

First Homes broadens homeownership opportunities in Rochester

Through its community land trust program and comprehensive plan for downtown revitalization, a local nonprofit organization works to provide affordable homes for low- and moderate-income families in t
Deborah Booth Summers
November 2008 - Community Dividend

Oglala Sioux and State of South Dakota sign historic lien-filing agreement

A newly signed UCC lien-filing agreement between the Oglala Sioux Tribe and the State of South Dakota is designed to facilitate business and consumer lending on the Pine Ridge Indian Reservation.
Sue Woodrow, Dani Daugherty
November 2008 - Community Dividend

U.S. Treasury announces 2008 CDFI awards

November 2008 - Community Dividend

Accounting for Regional Migration Patterns and Homeownership Disparities in the Hmong-American Refugee Community, 1980-2000

An analysis of Hmong homeownership rates in the U.S. over the previous two decades, with a focus on examining gaps in rates among the geographic areas where Hmong refugees are concentrated.
Richard M. Todd, Michael Grover
October 2008 - Community Development Papers

A "Six Forces" view of microenterprise development

What happens when we apply a prominent, private sector, management-analysis framework to the world of microenterprise development organizations?
Michou Kokodoko
September 2008 - Community Dividend

High schoolers' financial literacy remains low, survey finds

September 2008 - Community Dividend

Native CDFIs work toward a new economic reality in South Dakota

Native community development financial institutions (CDFIs) are organizations that provide loans and financial services to underserved Native American communities. The Ninth Federal Reserve District
Sandy Gerber
September 2008 - Community Dividend

OCC releases mortgage metrics report

September 2008 - Community Dividend

Turning equity into opportunity: Montana fund helps Native entrepreneurs enter the financial mainstream

A new small business funding program from the State of Montana is designed to address the severe shortage of equity among entrepreneurs in Indian Country.
Sue Woodrow, Philip Belangie
September 2008 - Community Dividend

Credit scoring and the credit-underserved population

There are new means of credit scoring in development that can help underserved consumers enter the mainstream American credit market.
Ericca Maas
May 2008 - Community Dividend

Crow Nation, State of Montana sign UCC filing compact

May 2008 - Community Dividend

Digital Inclusion Fund awards grants

May 2008 - Community Dividend

Mad About Money schools kids on personal finance

A traveling theatrical show for children makes the concepts of saving and spending educational and entertaining.
Emily Sachs
May 2008 - Community Dividend

New data analysis helps identify future foreclosure trouble spots

An analysis conducted by the Minneapolis Fed and the Federal Reserve Board reveals which areas of the Twin Cities region are at greatest risk of becoming mortgage foreclosure hotspots.
Andreas Lehnert, Michael Grover
May 2008 - Community Dividend

President Bush creates financial literacy advisory council

May 2008 - Community Dividend

Rhein joins Fed Consumer Advisory Council

May 2008 - Community Dividend

Achieving economies of scale through strategic restructuring: The case of Sparc

How two well-established CDCs in St. Paul, Minn., responded to funding pressures by merging to form a new entity called Sparc.
Michou Kokodoko
January 2008 - Community Dividend

Community Affairs releases mortgage broker regulation report

January 2008 - Community Dividend

Creating a win-win way to provide free tax help: Bethel University and AccountAbility Minnesota share lessons learned

In a mutually beneficial partnership between Bethel University and AccountAbility Minnesota, accounting students provide free tax preparation assistance to low- and moderate-income workers.
Leo T. Gabriel
January 2008 - Community Dividend

Expanding the success of the Earned Income Tax Credit

A patchwork of initiatives is raising awareness of the Earned Income Tax Credit, which is the leading federal program for boosting the incomes of the working poor.
Emily Sachs
January 2008 - Community Dividend

Menominee poster contest promotes free tax prep

Since 2005, Menominee Indian High School has sponsored a poster contest to promote the use of Volunteer Income Tax Assistance sites.
Emily Sachs
January 2008 - Community Dividend

Treasury announces New Markets Tax Credit allocations

January 2008 - Community Dividend

Bitterroot Valley loan program turns teachers into homeowners

An innovative lending program helps make homeownership a reality for schoolteachers in Montana's Bitterroot Valley.
Sue Woodrow
November 2007 - Community Dividend

Community benefits agreements: A tool for more equitable development?

A type of contract known as a community benefits agreement (CBA) has emerged in the past decade to help participants achieve advance agreement on how some of the benefits of economic development proje
Sandy Gerber
November 2007 - Community Dividend

FFIEC releases 2006 HMDA data

November 2007 - Community Dividend

Fed brochure offers credit-boosting tips

November 2007 - Community Dividend

Getting kids kindergarten-ready: A profile of the Minnesota Early Learning Foundation

The Minnesota Early Learning Foundation is supporting and evaluating a series of initiatives to uncover the most well-integrated, cost-effective system for preparing Minnesota's at-risk children for k
Ericca Maas
November 2007 - Community Dividend

HP announces microenterprise development grants

November 2007 - Community Dividend

Native CDFI awards announced

November 2007 - Community Dividend

North Dakota increases home repair grants

November 2007 - Community Dividend

U.S. Census bureau releases Native population figures

November 2007 - Community Dividend

A conversation with Jeff Washburne -- Director, City of Lakes Community Land Trust

Community Dividend speaks with Jeff Washburne, director of the City of Lakes Community Land Trust, to learn more about the organization's work and the challenges community land trusts face.
July 2007 - Community Dividend

A new economic era for Native communities

In remarks delivered at the 2007 South Dakota Indian Business Conference, Elsie Meeks encourages American Indians to look to the future and recognize that they cannot build sovereign, independent nati
Elsie Meeks
July 2007 - Community Dividend

Community land trusts strive for permanent housing affordability

Community Land Trusts (CLTs) appear to have the potential to make homes permanently affordable. Here, we explore the workings of CLTs and examine some of the challenges to this innovative form of hom
Michael Grover
July 2007 - Community Dividend

Financing Community Development: Learning from the Past, Looking to the Future -- Conference papers now available

July 2007 - Community Dividend

If most Americans already save enough, what should financial educators teach?

The findings of two recent studies underscore the need not only for new forms of retireee-oriented financial education, but also for sound financial education at all ages.
Richard M. Todd
July 2007 - Community Dividend

Report examines credit use in low-income markets

July 2007 - Community Dividend

Aim of Pension Protection Act is to increase personal retirement savings

A discussion of personal retirement savings in the U.S. and some key provisions of the Pension Protection Act, which became law in August 2006.
Ericca Maas
May 2007 - Community Dividend

CFED issues IDA survey results

May 2007 - Community Dividend

HUD releases national report on homelessness

May 2007 - Community Dividend

Microenterprise development in the U.S.: Past, present and future

To learn more about the history of microenterprise development organizations in the U.S. and the challenges these organizations face, Community Dividend spoke with Elaine Edgcomb, director of the Aspe
Michou Kokodoko
May 2007 - Community Dividend

Minneapolis launches Alternative Financing Program

May 2007 - Community Dividend

Tribal update: Nation building in the Ninth District

More and more tribes in the Ninth Federal Reserve District are recognizing that by establishing governance structures and institutions, they can support the growth of their economies.
Sue Woodrow
May 2007 - Community Dividend

2005 revisions define new CRA-eligible geographic areas

An analysis of recent changes to the Community Reinvestment Act (CRA) reveals that the CRA landscape in the Ninth Federal Reserve District has changed greatly, and investments routinely made in large
Michael Grover
March 2007 - Community Dividend

CRA exam basics and Ninth District breakdown

A description of the Community Reinvestment Act (CRA) examination process and assessment of how the Minneapolis Fed's member banks fare in terms of their CRA compliance.
Paula Woessner
March 2007 - Community Dividend

Fed unveils Web site for bank directors

March 2007 - Community Dividend

Montana foreclosure prevention campaign wins double honors

March 2007 - Community Dividend

Nontraditional data could help many get mainstream loans, study finds

March 2007 - Community Dividend

Regulators revise adjustable-rate mortgage handbook

March 2007 - Community Dividend

University launches new Twin Cities mapping tool

March 2007 - Community Dividend

Workshop promotes Native youth financial education

The presentations from a Fed-sponsored workshop illustrate a variety of promising approaches to Native financial education.
Richard M. Todd
March 2007 - Community Dividend

African American enterprises on the rise in Minnesota

Minnesota's African American entrepreneurs are likely to face a host of challenges that threaten to block their path to success. Fortunately, a network of organizations is ready to support African Am
Michou Kokodoko
November 2006 - Community Dividend

First Nations releases investment curriculum

November 2006 - Community Dividend

Mexico honors CLUES leader

November 2006 - Community Dividend

Newly formed business alliance promotes Montana's "Indianpreneurs"

The newly formed Montana Indian Business Alliance focuses on strengthening tribal sovereignty and economies by drawing attention to the important role the private sector can play in Indian Country.
Sue Woodrow
November 2006 - Community Dividend

Report reveals refugee resettlement trends

November 2006 - Community Dividend

Rural Minnesota county invests early to help kids succeed

An initiative called Invest Early aims to provide comprehensive early childhood education for underserved kids in Itasca County, Minn.
Ericca Maas
November 2006 - Community Dividend

2006 Bank Enterprise Awards announced

September 2006 - Community Dividend

Borrowers of color receive pricier mortgages, study finds

September 2006 - Community Dividend

Disaster recovery for low-income people: Lessons from the Grand Forks flood

In examining actions taken and outcomes realized, the tale of the Grand Forks flood provides lessons about ensuring the long-term well-being of low-income people in the event of a disaster.
Sandy Gerber
September 2006 - Community Dividend

Fed-led research reveals need for better Twin Cities foreclosure data

An analysis led by researchers at the Federal Reserve Bank of Minneapolis reveals that the availability and usefulness of foreclosure data are often inadequate, at least in the Twin Cities region.
Michael Grover
September 2006 - Community Dividend

Perspectives on Current Banking Issues

Top of the Ninth
Gary H. Stern
September 2006 - The Region

Update on Minnesota minority homeownership initiative

A summary of progress made by the State of Minnesota Emerging Markets Homeownership Initiative.
September 2006 - Community Dividend

Crow Nation is first to adopt model secured transactions code

July 2006 - Community Dividend

License to deal: Regulation in the mortgage broker industry

Mortgage brokers have emerged as the principal points of contact between consumers and the mortgage industry. This article examines the pros and cons of licensing mortgage brokers, describes alternat
Christopher W. Backley, Jeffrey M. Niblack, Cynthia J. Pahl, Terrence C. Risbey, Jeff Vockrodt
July 2006 - Community Dividend

Minnesota Hispanic chamber receives homebuyer counseling contract

July 2006 - Community Dividend

Report reveals increase in consumer financial insecurity

July 2006 - Community Dividend

Tribal-citizen entrepreneurship: What does it mean for Indian Country, and how can tribes support it?

A condensed version of a speech Professor Cornell delivered at the Montana Indian Business Conference in Great Falls, Mont., on February 2, 2006.
Stephen Cornell
July 2006 - Community Dividend

19 Ninth District counties rank among nation's poorest

May 2006 - Community Dividend

HUD report reveals worst case housing needs

May 2006 - Community Dividend

Lessons learned from a financial education pilot for Native youth

A pilot program at Oh Day Aki Charter School in Minneapolis shows that standard financial education materials can be adapted to benefit Native students in an urban setting.
Richard M. Todd
May 2006 - Community Dividend

Minnesota homeownership initiative hires its first director

May 2006 - Community Dividend

Ninth District Jump$tart update

In several states in the Ninth Federal Reserve District, affiliates of the Jump$tart Coalition for Personal Financial Literacy have achieved notable successes or are making progress toward promoting f
Richard M. Todd
May 2006 - Community Dividend

A super model: New secured transaction code offers legal uniformity, economic promise for Indian Country

A recently completed model law that covers a type of commerce called "secured transactions" could provide the legal structure and consistency American Indian tribes need to facilitate borrowing from o
Paula Woessner
March 2006 - Community Dividend

Bridges joins Swanson as Ninth District CAC member

Dorothy Bridges, president and chief executive officer of Franklin Bank in Minneapolis, recently joined Lori Swanson, solicitor general for the State of Minnesota, as a Ninth District representative t
March 2006 - Community Dividend

Can HMDA data herald neighborhood changes?

For years, researchers have used data collected under the Home Mortgage Disclosure Act (HMDA) to examine important fair lending issues. Could HMDA data also be used to collect neighborhood-level anal
Michael Grover
March 2006 - Community Dividend

Minnesota loan fund offers capital through community collaboration

Numerous small businesses and nonprofit organizations located in rural communities throughout Minnesota are benefiting from an innovative, nonprofit economic development loan fund known as the Minneso
Scott Martin
March 2006 - Community Dividend

Foreclosure prevention is Minnesota group's mission

The Minnesota Mortgage Foreclosure Prevention Association is a statewide network of individuals and member organizations that dedicate their time to a serious mission: helping people avoid home mortga
Sandy Gerber
November 2005 - Community Dividend

Four projects kick off "green" initiative in Minnesota

November 2005 - Community Dividend

Mutual rewards: Thoughts on serving as a board member for a nonprofit organization

Minneapolis Fed President Gary Stern is a past or current member of the board of numerous nonprofit organizations. Here, he shares a few thoughts on the lessons of his service.
Gary H. Stern
November 2005 - Community Dividend

New St. Paul housing program announced

November 2005 - Community Dividend

Policy summit highlight: CRA changes create new bank category

Changes to the Community Reinvestment Act were a focus of a recent policy summit sponsored by Local Initiatives Support Corporation and the Federal Reserve Bank of Minneapolis.
Theresa Bauer
November 2005 - Community Dividend

Post-purchase counseling: An EMHI strategy to close homeownership gaps

Minnesota appears to be well-positioned to pursue the goal of using post-purchase support programs to reduce the incidence of mortgage foreclosures.
Richard M. Todd, Michael Grover
November 2005 - Community Dividend

Treasury, Fed launch Go Direct campaign

November 2005 - Community Dividend

VITA initiative provides free tax preparation in North Central Montana

A coalition led by Consumer Credit Counseling Services of Montana provides free tax preparation assistance to residents of the state's North Central region.
Shannon Augare
November 2005 - Community Dividend

A Case for Post-Purchase Support Programs as Part of Minnesota's Emerging Markets Homeownership Initiative

A discussion of why Minnesota is in a good position to implement the post-purchase support provisions of the Emerging Markets Homeownership Initiative.
Richard M. Todd, Michael Grover
October 2005 - Community Development Papers

CDFIs at a crossroads: A conversation with Mark Pinsky of National Community Capital Association

Community development financial institutions, or CDFIs, are specialized entities that provide lending, investments, and other financial services in economically distressed communities. Community Divi
Michael Grover
September 2005 - Community Dividend

Fed merges financial education sites

September 2005 - Community Dividend

Foundation, tribes create charitable fund

September 2005 - Community Dividend

Hispanics vulnerable to predatory lending, NCLR says

September 2005 - Community Dividend

Model tribal commercial code completed

September 2005 - Community Dividend

Mortgage agreements expand homeownership opportunities on tribal lands

Thanks to several dedicated housing partners, American Indians on trust land are entering a new era in which they can obtain traditional mortgages to build or purchase their own homes.
Mary Lou Affleck
September 2005 - Community Dividend

NCLC warns of foreclosure "rescue" scams

September 2005 - Community Dividend

State of U.S. housing mixed, report says

September 2005 - Community Dividend

Twin Cities refugee groups tackle community development

Refugee groups in Minnesota are expanding their mutual assistance efforts to include community development activities.
Bo Thao
September 2005 - Community Dividend

WHEDA awards $822,000 in housing grants

September 2005 - Community Dividend

Consumer group surveys payday lending sites

May 2005 - Community Dividend

Fed guide explains Check 21 changes

May 2005 - Community Dividend

Financial education program effective, study says

May 2005 - Community Dividend

Free annual credit reports available

May 2005 - Community Dividend

Homeownership gap calls for broad, balanced response

In remarks delivered at the formal launch of the State of Minnesota Emerging Markets Homeownership Initiative on June 28, 2004, Richard M. Todd summarized some of the key facts about homeownership in
Richard M. Todd
May 2005 - Community Dividend

Homeownership initiative targets Minnesota's emerging markets

The State of Minnesota Emerging Markets Homeownership Initiative is charged with developing a business plan for dramatically reducing the state's homeownership gap by 2010.
Jacqueline King
May 2005 - Community Dividend

Housing data show gains, not parity, for some groups

An examination of home lending trends in Minneapolis-St. Paul during the 1997-2003 housing boom.
Michael Grover
May 2005 - Community Dividend

U.S. House creates financial literacy caucus

May 2005 - Community Dividend

Federal agencies partner to promote Native homeownership

March 2005 - Community Dividend

Loan limits for most reverse mortgages increase

March 2005 - Community Dividend

National homeownership campaign honors Montana network

March 2005 - Community Dividend

Native Financial Education Coalition works to strengthen tribal economies

By working collaboratively, Native Financial Education Coalition members seek to increase awareness about the need for financial education in Native communities.
Joanna Donohoe
March 2005 - Community Dividend

Tribal colleges can be a key to Native entrepreneurship

For many American Indian tribes, tribal colleges are becoming a vital tool for promoting Native entrepreneurship.
Brad Bly
March 2005 - Community Dividend

University Bank receives corporate citizenship award

March 2005 - Community Dividend

Census says poverty down, incomes up in North Dakota

November 2004 - Community Dividend

FedACH lowers rates, expands services in Mexico

November 2004 - Community Dividend

Federal development funding lower in rural areas, study finds

November 2004 - Community Dividend

Homeownership becoming less affordable for middle class, report says

November 2004 - Community Dividend

Housing organizations create new insurance company

November 2004 - Community Dividend

Minnesota Rural Partners president receives SBA awards

November 2004 - Community Dividend

Minnesota launches minority homeownership initiative

November 2004 - Community Dividend

Montana Financial Education Coalition gains momentum

A coalition formed by a diverse group of organizations is quickly gaining momentum in its efforts to promote financial education in Montana.
Sue Woodrow
November 2004 - Community Dividend

VITA sites provide outreach, tax help to low-income workers

Millions of Americans could receive valuable refunds during the next tax season, provided they file for a federal tax credit designed to assist low-income people. A related program providing free tax
Brad Bly
November 2004 - Community Dividend

With support, securitization could boost community development industry

For community economic development lenders, selling loans to a secondary market can be an effective recapitalization strategy.
Devon Pohlman
November 2004 - Community Dividend

Secured Transaction Codes: An Important Tool for Tribal Economic and Housing Development

A discussion of how commercial codes are important tools for enabling and supporting tribal economic and housing development by improving access to commercial and consumer credit.
Sue Woodrow
September 2004 - Community Development Papers

12th graders' financial literacy improves slightly, survey finds

August 2004 - Community Dividend

A unique partnership provides housing help in Montana

Glacier Affordable Housing Foundation is helping make homeownership a reality for creditworthy low- and moderate-income families in northwest Montana.
Sue Woodrow
August 2004 - Community Dividend

For seniors, reverse borrowing can be a financial step forward

Reverse mortgages are designed to supply an income stream while allowing seniors to stay in their homes.
Paula Woessner
August 2004 - Community Dividend

GAO releases statement on predatory lending

August 2004 - Community Dividend

HP awards grant to Neighborhood Development Center

August 2004 - Community Dividend

Plan to end long-term homelessness in Minnesota released

August 2004 - Community Dividend

SBA launches new Native development initiative

August 2004 - Community Dividend

Wind turbine to power tribal college

August 2004 - Community Dividend

Banking as destiny?

FDIC's John Anderlik looks at rural communities and their banks
David Fettig
May 2004 - fedgazette

Building Capacity for Success: The Fed's role in community economic development

Top of the Ninth
Gary H. Stern
December 2003 - The Region

A better day in the neighborhood: The rise and decline of poverty concentration in the Twin Cities, 1970-2000

After increasing for two decades, the concentration of poverty in Minneapolis-St. Paul took a dramatic, unexpected plunge in the 1990s
Richard M. Todd
November 2003 - Community Dividend

A conversation with ... Chuck Johnson of the State of Minnesota Department of Human Services

Community Dividend speaks with Chuck Johnson of the State of Minnesota Department of Human Services about issues affecting low-income people.
November 2003 - Community Dividend

Demographic trends reveal mixed portrait of Ninth District reservations

According to census data, Native American reservations did not benefit equally from the economic boom of the 1990s.
Michael Grover
November 2003 - Community Dividend

FACT Act creates financial literacy commission

November 2003 - Community Dividend

HUD program is a key to Native American homeownership in District

A profile of the U.S. Department of Housing and Urban Development's Section 184 mortgage program for Native American communities.
Paul S. Jurkowski
November 2003 - Community Dividend

Recent ECOA amendments allow lenders an exception for self-testing

A summary of recent changes to Regulation B-the Equal Credit Opportunity Act.
Lynn Severson-Meyer
November 2003 - Community Dividend

Volvo recognizes hometown hero

November 2003 - Community Dividend

A conversation with ... Kou Vang of JB Realty

Community Dividend speaks with Kou Vang, a Hmong business leader, about credit availability and the economic evolution of the Twin Cities Hmong community.
August 2003 - Community Dividend

Credit availability: A snapshot of the Hmong business community in Minneapolis and St. Paul

A Federal Reserve study examines credit markets from the borrowers' perspective
Arthur J. Rolnick, David Fettig
August 2003 - Community Dividend

Fed launches national initiative to promote financial education

The Federal Reserve System has launched an initiative to promote financial education.
Paula Woessner
August 2003 - Community Dividend

Fed luncheon focuses on credit access in the Twin Cities Hmong community

Lenders, community development professionals and small business owners gathered in St. Paul to discuss lessons learned from the Federal Reserve's study of credit access in the Twin Cities Hmong commun
Paula Woessner
August 2003 - Community Dividend

HMDA changes are on the way; new rules take effect in 2004

2004 revisions to the Home Mortgage Disclosure Act will increase the amount and types of public information about residential real estate lending.
Karin Modjeski Bearss
August 2003 - Community Dividend

Linking immigrants to farming opportunities

For immigrants in the Twin Cities area, farming is a source of income, opportunity, and independence.
Devon Idstrom
August 2003 - Community Dividend

New Minnesota capital fund launched

August 2003 - Community Dividend

The Lakota Fund receives grant

August 2003 - Community Dividend

Between Two Worlds: How Do Credit Markets Work?

2002 Annual Report Essay: An investigation into credit availability in the Minneapolis-St. Paul Hmong community.
Arthur J. Rolnick, David Fettig
May 2003 - The Region

CRA: A brief introduction

2002 Annual Report
May 2003 - The Region

Message from the President

2002 Annual Report
Gary H. Stern
May 2003 - The Region

A conversation with ... Claudia Parliament and Dick Todd

Community Dividend discusses financial literacy with Claudia Parliament, professor of applied economics at the University of Minnesota and director of the Minnesota Council on Economic Educat
November 2002 - Community Dividend

CDFI Fund awards NACTA grants

November 2002 - Community Dividend

Federal Reserve Governor Bies tours St. Paul neighborhoods

Federal Reserve Governor Susan Schmidt Bies began her first official visit to the Ninth District with a community development tour of two inner-city neighborhoods in St. Paul.
Paula Woessner
November 2002 - Community Dividend

Financial literacy education: A potential tool for reducing predatory lending?

A review of recent studies supports cautious optimism that increased financial literacy can help consumers avoid predatory lenders.
Richard M. Todd
November 2002 - Community Dividend

First Accounts awards grants

November 2002 - Community Dividend

Indian business groups receive grants

November 2002 - Community Dividend

Property flipping in the Twin Cities

In the late 1990s, a widespread mortgage scam targeted at low-income neighborhoods was uncovered in the Minneapolis-St. Paul metropolitan area.
Nikki Foster
November 2002 - Community Dividend

Wisconsin commission receives Pioneer Award

November 2002 - Community Dividend

A conversation with ... Wafiq Fannoun and Hussein Samatar

Community Dividend discusses Islamic financing with Wafiq Fannoun, business development specialist at Northside Residents Redevelopment Countil, and Hussein Samatar, a small business banking
August 2002 - Community Dividend

Alternative financing: Issues and opportunities for lenders and interest-averse populations

There is great demand among Muslims and certain other faith-based populations for alternative financial products that will provide access to credit in a manner consistent with their religious beliefs.
Nikki Foster, Nicole Bennett, Margaret Tyndall
August 2002 - Community Dividend

Great Falls NHS ranks first

August 2002 - Community Dividend

National Congress of American Indians receives $200,000 grant

August 2002 - Community Dividend

Size of Twin Cities Muslim population difficult to determine

When communities are based on faith, accurate demographic figures can be difficult to find.
Paula Woessner
August 2002 - Community Dividend

President's Message

2001 Annual Report: Gary Stern, president of the Federal Reserve Bank of Minneapolis, comments on the government's role in increasing homeownership rates, the topic of the 2001 annual report's essay.
Gary H. Stern
April 2002 - The Region

A conversation with ... Jay Kayne and Don Macke

Community Dividend discusses rural entrepreneurship with Jay Kayne, vice president of community and policy at the Kauffman Center for Entrepreneurial Leadership, and Don Macke, project coordi
November 2001 - Community Dividend

Agencies receive NAHRO awards

November 2001 - Community Dividend

Entrepreneurship in rural communities: An emerging strategy presents opportunities and challenges

As rural America faces mounting challenges, some communities are turning to entrepreneurship as a strategy for success.
Nikki Foster
November 2001 - Community Dividend

Fed Gov. Gramlich tours Great Falls for look at affordable housing efforts

A summary of Federal Reserve Governor Edward Gramlich's June 2001 visit to Great Falls, Mont.
Paula Woessner
November 2001 - Community Dividend

Montana firm receives SBA award

November 2001 - Community Dividend

NADO honors six groups

November 2001 - Community Dividend

Three-part series highlights development tools

A recap of a three-part event series on the Community Reinvestment Act and community development tools.
Nicole Bennett
November 2001 - Community Dividend

A conversation with ... JoAnne Lewellen, former Community Affairs Officer, Federal Reserve Bank of Minneapolis

Community Dividend spoke with JoAnne Lewellen about the Community Reinvestment Act, the evolution of the Community Affairs program during her tenure with the Minneapolis Fed, and the program'
August 2001 - Community Dividend

Business ownership increases for Native Americans

August 2001 - Community Dividend

Community development under the CRA: Review of the 1995 regulations begins

With review of the current Community Reinvestment Act (CRA) regulations imminent, Community Dividend presents an overview of the definition of community development under the CRA.
Margaret Tyndall
August 2001 - Community Dividend

Fed Governor Gramlich discusses the problem of predatory lending

Federal Reserve Governor Edward M. Gramlich discusses the common elements of predatory loans and draws distinctions between predatory lending and subprime lending.
Edward M. Gramlich
August 2001 - Community Dividend

Mongolia: Ancient country works through daunting economic challenges

As a consultant to a lending institution in Mongolia in the summer of 2000, Community Affairs Analyst Thomas Moore got a firsthand look at the country's transition from communism to a free market econ
Paula Woessner
August 2001 - Community Dividend

New Markets Tax Credits: The next tool for community-development financing

Buzz Roberts, vice president for policy at Local Initiatives Support Corporation, explains how the New Markets Tax Credit will work and what this new financing tool can and cannot accomplish.
Buzz Roberts
August 2001 - Community Dividend

Study: Homes near affordable housing properties perform well

August 2001 - Community Dividend

A conversation with ... Elsie Meeks of The Lakota Fund

Community Dividend discusses the economic development efforts of The Lakota Fund with its executive director, Elsie Meeks.
November 2000 - Community Dividend

Economic development in Indian Country: Lessons learned by The Lakota Fund

By sharing 10 lessons learned from its lending activities, The Lakota Fund hopes to benefit all community developers.
Margaret Tyndall
November 2000 - Community Dividend

Fed Gov. Gramlich tours Phalen Corridor project in St. Paul

A summary of Federal Reserve Governor Edward Gramlich's July 2000 visit to St. Paul.
November 2000 - Community Dividend

Five Minnesota communities receive housing grants

November 2000 - Community Dividend

Honors for housing initiative

November 2000 - Community Dividend

Montana high school students build affordable housing

November 2000 - Community Dividend

Walking the Native Path to Economic Development: Results of Fall 1999 conference

A discussion of the results of a Fed-sponsored, Fall 1999 conference on tribal economic development.
Margaret Tyndall, Thomas Moore
November 2000 - Community Dividend

Breaching the "Buckskin Curtain"

Thanks to growing wealth on some reservations, banks—including a handful owned by tribes—see untapped markets but face obstacles to banking in Indian Country.
Ronald A. Wirtz
September 2000 - The Region

A conversation with ... Elise Hoben and Bob Poznanski of Rural LISC

Community Dividend discusses rural community development corporations with Elise Hoben and Bob Poznanski, two noted experts from Rural Local Initiatives Support Corporation.
August 2000 - Community Dividend

Affordable housing champs

August 2000 - Community Dividend

CDFI Fund awards $112 million

August 2000 - Community Dividend

Churchs Ferry receives flood grant

August 2000 - Community Dividend

Operation Walking Shield

August 2000 - Community Dividend

Revolving loan funds: A source of capital in South Dakota

Revolving loan funds are a major source of capital for individuals who do not qualify for traditional financing.
Nicole Bennett
August 2000 - Community Dividend

Rural CDCs: Building the capacity for success

In many American rural areas, crucial community development services are provided by community development corporations, or CDCs.
Margaret Tyndall
August 2000 - Community Dividend

Conference participants share their own views

A summary of participants's responses to key questions asked at an April 1999 mixed-use development conference.
Nicole Bennett
November 1999 - Community Dividend

Harvard recognizes outstanding tribal governance programs

Five programs on Indian reservations in the Ninth Federal Reserve District recently received distinction from the Harvard Project on American Indian Economic Development.
Cindy Porter
November 1999 - Community Dividend

Partnerships and financing are key to mixed-use development

At a mixed-use development conference in Minneapolis, lenders and local government staff provided valuable insight into real-world issues and lessons they learned in doing mixed-use projects.
Nicole Bennett
November 1999 - Community Dividend

How do Minorities Fund Start-up Businesses?

Two minority neighborhoods in Chicago are surveyed to determine the source for start-up financing of businesses.
Robert Townsend, Paul Huck, Sherrie L.W. Rhine, Philip Bond
September 1999 - The Region

Microenterprise awards are announced

Two Ninth District organizations recently received awards for their outstanding work in the field of microenterprise development.
Stephanie Omersa
July 1999 - Community Dividend

Personal finance: The bedrock of a community's financial health

Personal financial management can affect an entire community by limiting home ownership and business formation opportunities.
Margaret Tyndall, Thomas Moore, Bryan Jon Maciewski
July 1999 - Community Dividend

Tracking small business lending in the Ninth District: What the new CRA data allows

New data provides insights into small business lending in the Ninth District
Ron J. Feldman, Jason Schmidt
April 1999 - fedgazette

The facts about the Twin Cities

Is the Twin Cities metropolitan area exceptional? A new publication from the Federal Reserve Bank of Minneapolis address that question and others.
Cindy Porter
March 1999 - Community Dividend

Mixed-use development profile: Edina, Minn.

Highlights of mixed-use development in Edina, Minn.
Larry Laukka
December 1998 - Community Dividend

Mixed-use development profile: Hibbing, Minn.

Highlights of mixed-use development in Hibbing, Minn.
Jane Kaiser
December 1998 - Community Dividend

Mixed-use development profile: Minneapolis

Highlights of mixed-use development in Minneapolis.
Iric Nathanson
December 1998 - Community Dividend

Mixed-use development: Through the lenders' looking glass

Mixed-use developments were the norm in American towns and cities in the early part of this century. Now they are making a comeback, raising issues for lenders.
Nicole Bennett
December 1998 - Community Dividend

The future of mixed-use development: A developer shares his views

Community Dividend speaks with Edina, Minn.-based developer Larry Laukka about his perspective on the state of mixed-use development in the Twin Cities.
Thomas Moore
December 1998 - Community Dividend

What does "mixed-use development" mean?

The term "mixed-use development" holds a variety of meanings and can be applied to a wide range of community development projects.
December 1998 - Community Dividend

Alice Rivlin gets a first-hand look at two Twin Cities neighborhoods

Federal Reserve Governor Alice Rivlin visited two south Minneapolis communities on September 25.
Margaret Tyndall
October 1998 - Community Dividend

Explaining the shortage of affordable housing

Community Dividend explores why affordable housing shortages persist in so many communities.
Stephanie Omersa
October 1998 - Community Dividend

Labor lessons learned in straw bale projects

Straw bale projects provide training and construction experience to local, unskilled workers interested in the construction trades.
October 1998 - Community Dividend

Partnerships are the key to obtaining financing for building projects

Straw bale construction projects in Minnesota and Montana obtained financing through partnerships with local banks and other community organizations.
October 1998 - Community Dividend

Straw bale construction provides affordable, efficient housing

Housing developers are experimenting with a variety of alternative building methods, including straw bale construction
Nicole Bennett, Stephanie Omersa
October 1998 - Community Dividend

Federal Reserve Governor Meyer visits Ninth District Indian reservations

An interview with Federal Reserve Governor Laurence H. Meyer, who visited two Minnesota Indian reservations in May 1998.
David Fettig, Margaret Tyndall
July 1998 - Community Dividend

Follow up on HUD 184 program article

An update on the HUD 184 residential mortgage loan program for Indian Country.
July 1998 - Community Dividend

Model code addresses economic development in Indian Country

A model commercial code for Indian tribes is designed to encourage the business and lending communities to invest in Indian Country and foster economic development.
Maylinn E. Smith
July 1998 - Community Dividend

Tribal sovereign immunity: An obstacle for non-Indians doing business in Indian Country?

What is sovereign immunity, and what does it mean in the tribal context?
Sue Woodrow
July 1998 - Community Dividend

U.S. banks offered historic opportunity in Indian Country

To serve the emerging Indian-owned private enterprise market, bankers should understand the structure of the economies of tribal communities and the size of the potential market.
Patrick Borunda
July 1998 - Community Dividend

We, the First Americans shows statistics regarding indigenous U.S. citizens

Census statistics offer a picture of how economic life for American Indians on reservations compares with that of the rest of the U.S. population.
July 1998 - Community Dividend

HUD 184 loan program helps Native Americans achieve homeownership

The HUD 184 loan program is designed to mitigate many factors that inhibit mortgage lending on American Indian reservations.
Deanna Lucero
April 1998 - Community Dividend

Implementing NAHASDA: How the rule was written

Doug Dewalt, a tribal representative serving on NAHASDA's Negotiated Rulemaking Committee, discusses his experience relating to the enactment of the historic Indian housing act.
Thomas Moore
April 1998 - Community Dividend

Roles and responsibilities for processing the HUD 184 Indian Home Loan Guarantee Program

Details about who does what in the HUD 184 loan program.
April 1998 - Community Dividend

The role of banking debt in community development

An excerpt from a speech Federal Reserve Bank of Minneapolis President Gary H. Stern delivered at the 1997 Nation Building Conference in Missoula, Mont.
Gary H. Stern
April 1998 - Community Dividend

Assistant Secretary Retsinas' speech highlights housing conference

Community Dividend presents excerpts from a speech that Nicholas Retsinas, HUD Assistant Secretary for Housing-Federal Housing Commissioner, delivered to a South Dakota housing conference.
Nicholas Retsinas
December 1997 - Community Dividend

Bank CDCs: Building partnerships for community development

Bank CDCs are tools for promoting economic and community development that have gained popularity in communities across the country.
December 1997 - Community Dividend

Flood insurance helps manage risk of financial loss

Answers to questions about the National Flood Insurance Reform Act of 1994's technical requirements.
Lisa DeClark
December 1997 - Community Dividend

Small town addresses big housing shortage

A Deadwood, S.D., housing organization works to satisfy the increasing need for affordable housing for local residents and commuting workers.
December 1997 - Community Dividend

Recycling resources

The Community Reinvestment Fund links economic development financing more closely with capital markets and gives community-based lenders a funding option other than uncertain sources of government mon
July 1997 - Community Dividend

Spotlight on success: The Anoka County partnership

The Anoka County Economic Development Partnership has allowed many groups and individuals to join forces and help launch and nurture businesses.
July 1997 - Community Dividend

When neighborhood housing programs succeed, everyone benefits

Top of the Ninth Column
Gary H. Stern
June 1997 - The Region

Changes in Indian Country

A summary of the Native American Housing Assistance and Self-Determination Act of 1996.
Jacqueline Kruszek
April 1997 - Community Dividend

Credit scoring and small business loans

Credit scoring is the process of assigning a single quantitative measure, or score, to a potential borrower that reflects the borrower's relative chance of going into delinquency or default.
Ron J. Feldman
April 1997 - Community Dividend

Lending to small firms and small farms

A snapshot of data on the distribution of business loans to farms and firms by the size of the loan.
Ron J. Feldman
April 1997 - Community Dividend

Regulators approve CRA strategic plans

The Federal Reserve Board has announced its approval of the first bank strategic plans submitted under the newly revised Community Reinvestment Act regulations.
April 1997 - Community Dividend

Bank Enterprise Awards announced

The Community Development Financial Institutions Found has announced the first-ever recipients of its Bank Enterprise Awards.
December 1996 - Community Dividend

CDFIs focus on community development

CDFIs serve an important function in their communities by meeting needs for financial services and products that are not currently being met through the traditional financial market.
December 1996 - Community Dividend

Ninth District corporation is awarded CDFI funds

A Ninth District organization is among the first-ever recipients of Community Development Financial Institutions Fund awards.
December 1996 - Community Dividend

My Federal Reserve Bank internship experience

Stephen Turner, a senior at the University of Minnesota-Morris, discusses his recent internship in the Community Affairs office of the Federal Reserve Bank of Minneapolis.
Stephen Turner
October 1996 - Community Dividend

Ninth District corporation is awarded CDFI funds, community development venture capital

An organization in Duluth, Minn., is among the first-ever awardees of the Community Development Financial Institutions Fund.
October 1996 - Community Dividend

Not all credit unions are alike

Letter to the Editor
October 1996 - fedgazette

What is Community Affairs?

A discussion of the Community Affairs function of the Federal Reserve System.
October 1996 - Community Dividend

How the New CRA Will Affect Mortgage Lending

Top of the Ninth
Gary H. Stern
December 1995 - The Region

Community development: an entrepreneurial approach

Robert Tosterud
July 1995 - fedgazette

Doing the undoable deal

Banks find ways to rebuild neighborhood housing stock
David Fettig
July 1995 - fedgazette

Loans program brings funds to southwestern Wisconsin

Rural group, M&I bank agree to work together to aid rural areas
David Fettig
July 1995 - fedgazette

Putting the “C" in CRA

As Congress debates value of lending law, banks go about the business of reinvesting
David Fettig
July 1995 - fedgazette

Clarence Mortenson

The Spirit of the Ninth District Personified
Kathy Cobb
December 1994 - The Region

Suspending Disbelief: Low Incomes Do Not Mean High Defaults

Top of the Ninth
Gary H. Stern
June 1994 - The Region

Third World Islands in a Sea of Relative Prosperity

Minneapolis Fed joins effort to capitalize Indian reservations
David Bland
June 1994 - The Region

Banking's Role in Business-Community Partnership


John P. LaWare
March 1994 - The Region

Q&A with Lawrence Lindsey

Federal Reserve Governor talks about CRA
David Fettig
January 1994 - fedgazette

Community Reinvestment is a way of life, not a law, says small town bank

David Fettig
July 1993 - fedgazette

In light of public disclosure, CRA gains luster

But after 15 years, banking industry still takes dim view
David Fettig
July 1993 - fedgazette

An Update on Community Involvement

Top of the Ninth
Delbert Johnson
September 1992 - The Region

Proper attitude is key to successful community lending

fedgazette Editorial
A. William Sands
June 1990 - fedgazette

Resolving Conflict: The Fed's Role in the Community Reinvestment Act

Top of the Ninth
Gary H. Stern
December 1989 - The Region

Too small for state programs, federal funds crucial to U.P.

David Fettig
December 1989 - fedgazette

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