Files

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CRA and CDFIs: Qualified Investments, Community Development Lending, and Lessons from the New CRA Performance Evaluations

September 08, 1998

Daniel Immergluck

Advises community development financial institutions on how they can use CRA to attract more resources from banks and thrifts, thereby building scale and increasing their impact in their communities. Recommends ways CRA can improve regulation of community development lending and investments.

Getting Down to Business: Assessing Chicago Bank's Small Business Lending in Lower-Income Neighborhoods

June 09, 1998

Daniel Immergluck

Uses new CRA data to analyze lending by 50 largest small business lenders in the Chicago area. Ranks lenders by their tendency to lend to lower-income areas and smaller firms in such areas.

Reinvestment Alert 13: Low-Income Home Buying on the Rise in Chicago Area

April 07, 1998

Malcolm Bush and Cynthia Bianchi

Between 1990 and 1996 there was a large increase in the number of lower-income home buyers in the Chicago region. This good news is tempered by the facts of where these households were able to purchase homes. Most of them bought in Chicago and suburban Cook County. Unless lower-income buyers have a choice of homes throughout the six-county region, they will not gain the full benefits of homeownership.

Reinvestment Alert #12: Federal Electronic Funds Transfer and Low-Income Consumers

November 11, 1997

Marva Williams

This Alert is a call to action for community organizations and others concerned about the impact of electronic funds transfer (EFT) on low-income households. It provides a summary of regulations proposed by the Treasury Department and recommendations on how they can be improved. An analysis of electronic benefits transfer (EBT) in Illinois demonstrates why currency exchanges should be prohibited from serving as EFT access points.

Reinvestment Alert #11: New Small Business Data Show Loans Going to Higher-Income Neighborhoods in Chicago Area

October 14, 1997

Daniel Immergluck

An analysis of the long-awaited small business loan data released by federal bank regulators shows lower-income census tracts in Chicago area receive fewer loans per business than upper-income areas.