Financing Community Development:
Learning from the Past, Looking to the Future

A Federal Reserve System Community Affairs Research Conference
Washington, D.C.
March 29-30, 2007

This Web site contains the papers from a conference organized by the Community Affairs Officers of the Federal Reserve System. Papers included in the Web site are to be considered working papers. They are reproduced here to make them available to scholars and practitioners with a serious interest in the topics presented. Many of the papers are in preliminary form and will be submitted for publication elsewhere. The works here should be cited as working papers and considered preliminary drafts of any subsequent publication. Although all papers have been screened for relevance to the subject matter of the conference, they have not been subjected to a rigorous refereeing process nor edited for form or content by the Federal Reserve.

Moderator
Alfreda B. Norman
Federal Reserve Bank of Dallas

Session 1
Session 2
Session 3
Session 4
Session 5
Session 6

Session Six: Can Alternative Financial Services Products Help the Underbanked?
Strategic Pricing of Payday Loans: Evidence from Colorado, 2000-2005 (PDF, 189KB)
Robert DeYoung, Federal Deposit Insurance Corporation, and Ronnie Phillips, Colorado State University
Presentation (PDF, 32KB)

Cardholder Use of General Spending Prepaid Cards: A Closer Look at the Market (PDF, 298KB)
Sherrie L.W. Rhine, Office of the Comptroller of the Currency; Katy Jacob, Federal Reserve Bank of Chicago; Yazmin Osaki, Federal Reserve Bank of New York; and Jennifer Tescher, The Center for Financial Services Innovation
Presentation (PDF, 102KB)

Discussant
Victor O. Stango, Dartmouth University
Presentation (PDF, 37KB)

Host
Loretta J. Mester
Senior Vice President and Director of Research, Federal Reserve Bank of Philadelphia

Keynote Speaker
Ben S. Bernanke
Chairman, Board of Governors of the Federal Reserve System