Cleveland Fed
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Community perspectives and conditions from the Fed’s Beige Book, November 2024
Here’s what nonprofit and community leaders, and workforce professionals serving lower-income people shared with the Federal Reserve for the November 2024 Beige Book.
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Lower-income neighborhoods face greater flood risk, tougher recovery
Increasingly frequent and severe flooding can have devastating impacts on communities. The Federal Reserve Banks of New York, Cleveland, and Philadelphia examine flood risk in their regions and the implications for low-and-moderate income communities.
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Built to fail? Contracts for deeds often sell a homeownership illusion
Contract for deed homeownership agreements can appeal to lower-priced home buyers who believe they are unable to qualify for or secure a mortgage. But CFDs often lack consumer protections and can cost unsuspecting buyers their home and their investment in it.
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Community perspectives and conditions from the Fed’s Beige Book, October 2024
Here’s what nonprofit and community leaders, and workforce professionals serving lower-income people shared with the Federal Reserve for the October 2024 Beige Book.
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US small businesses: Recovery continues, a national initiative gains steam
At the 2024 SSBCI Midwest Regional Conference in Kansas City in August, jurisdictions throughout the Midwestern states and tribal governments convened with Treasury staff, bankers, and community development lenders to discuss ways to ensure funds from the State Small Business Credit Initiative (SSBCI) reach small businesses and entrepreneurs, particularly those in underserved communities.
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The Quarterly Catch-up, Q3 2024
Check out the latest community development-related research, analyses, and articles from all 12 Federal Reserve Banks and the Board of Governors. This post captures content published between July 1 and September 30, 2024, on topics affecting marginalized communities.
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Community perspectives and conditions from the Fed’s Beige Book, August 2024
Here’s what nonprofit and community leaders, and workforce professionals serving lower-income people shared with the Federal Reserve for the August 2024 Beige Book.
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Community Perspectives Survey: Insights from the field—Health of entities serving low- and moderate-income communities
The second report from the 2024 Community Perspectives Survey focuses on the health of organizations serving low- and moderate-income (LMI) communities and discusses the challenges they face. These organizations provide vital services to lower-income communities and infrastructure that promotes economic resilience and mobility.
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Project highlights factors that influence Black business owners’ attitudes about debt
Data and conversations help inform reasons why Black businesses can be hesitant to apply for credit and emphasize the need for more education about the loan underwriting process.
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Community Perspectives Survey: Insights from the field—Economic conditions in low- and moderate-income communities
The 2024 Community Perspectives Survey, conducted nationally by the Federal Reserve, provides an overview of economic conditions in low- and moderate-income (LMI) communities. The first report examines key findings in the areas of housing, employment, financial stability, health, education, small business and access to technology.