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What we know The experiences from the Covid-19 pandemic have taught us about pervasive and persistent disparities across our communities, particularly related to health equity. These lessons offer an important opportunity to address these gaps to build a more equitable, healthier, prosperous, and resilient future for all. Collaborations between hospitals, other healthcare organizations,... Read More

By Jonathan Lanning       July 15, 2022

This blog post discusses the substantial role of cars and the loans that people use to pay for them in the lives of households with low and moderate incomes (LMI households).1 It highlights five key points: 1. Cars are an important source of wealth and provide substantial economic benefits while also being the largest source of debt for LMI households. 2. It is particularly costly fo... Read More

By Nathan Anderson, Desiree Hatcher       July 15, 2022

The Community Reinvestment Act (CRA) became law in 1977 and remains one of the seminal pieces of legislation to address systemic inequities in access to credit for low- and moderate-income (LMI) communities. The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (together, the “agencies”) recently issued a... Read More

By Nathan Anderson, Suchi Saxena       June 30, 2022

The Community Reinvestment Act (CRA) became law in 1977 and remains one of the seminal pieces of legislation to address systemic inequities in access to credit for low- and moderate-income (LMI) communities. The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (together, the “agencies”) recently issu... Read More

By Brianna Smith       December 2, 2021

The Community Development and Policy Studies (CDPS) group regularly invites knowledge leaders to share their work on topics relevant to low- and moderate-income communities. CDPS recently welcomed Amanda Kass to present her joint work with Phillip Rocco titled “Strengthening Local Government Finance: State and Federal Aid for a Crisis Era.” Kass discussed how ... Read More

By Suchi Saxena       November 24, 2021

As our region's communities emerge from the hardships of the pandemic, community development practitioners are ever focused on advancing economic inclusion, resilience, equity, and mobility. Many residents of low-income and predominantly minority neighborhoods were especially hard-hit when job losses, small business closures, and Covid-19-related hospitalizations and ... Read More

By Nathan Anderson       July 14, 2021

On July 15, roughly 39 million families with children will begin receiving monthly payments from the expanded Child Tax Credit (CTC), which will continue through December of this year. In March, Congress passed the American Rescue Plan Act, which expanded eligibility for the CTC, increased the amount, and made it fully refundable. This means that eligible families can now receive the full CTC... Read More

By Michael V. Berry, Garvester Kelley, Mark O'Dell       October 21, 2020

From time to time, we use our blog to highlight the work of our partner organizations throughout the Seventh District to address the pandemic's effects. As we consider the pandemic's impact on small businesses, which have borne a great deal of hardship owing to the closings of and limitations placed upon restaurants, bars, and various retail establishments not considered essential, chambers of co... Read More

By Brianna Smith, Nathan Anderson       September 23, 2020

In 2017, Congress created a new federal income tax incentive intended to encourage long-term business investment in low-income census tracts designated as “opportunity zones.” One policy concern is that these tax incentives may benefit investors without any spillover benefits to existing residents and businesses within opportunity zones. This concern is based, in part, on the absence of a communi... Read More

By Malcolm Thomas       July 10, 2020

The Community Development and Policy Studies (CDPS) division recently welcomed the second speaker of the new internal speaker series, Dr. Matthew Epperson. The speaker series garners diverse perspectives from researchers to enhance the Federal Reserve Bank of Chicago’s work in improving socioeconomic prospects for marginalized communities. A key component of uplifting marginalized communities... Read More

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