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Community Reinvestment Act

Interagency CRA Workshop: This workshop presented jointly by the Federal Reserve Bank of Cleveland, the OCC and the FDIC will review the basics of the Community Reinvestment Act and the exam process. Read more

2013 Policy Summit on Housing, Human Capital, and Inequality: Join us this September as we present research and practitioner sessions on the changing role of regulations in economic and community development; registration opens March 1. Attendees include academics, bankers, elected officials, practitioners, and policymakers. Read more

What you need to know: New rules about credit decisions and notices: Starting in 2011, many credit-seeking consumers will get more information about how their credit report or credit score can impact a lender's decision to grant credit and the terms under which credit is offered. Beginning January 1, new rules from the Federal Reserve and the Federal Trade Commission require lenders to provide new information to consumers under certain conditions. Read more

Saving Strategies & Innovations for Low-Income Households: Researchers, policymakers, and community leaders gathered to discuss cutting edge research and innovations in the field of low-income savings and asset building. The goal was to expand knowledge on savings behavior and attitudes among low- and moderate-income households and review the results from the field experiments of promising savings innovations. Read more

Small Communities, Big Challenges: A 2013 Series on Problem Properties: Vacant and abandoned properties remain a major challenge facing municipalities across the region. To help get knowledge and resources to combat this problem into the hands of city officials, practitioners, and funders, the Federal Reserve Bank of Cleveland has partnered with Greater Ohio Policy Center to host a series of events and webinars in 2013. Three one-hour webinars?to be held in April, June, and August?will showcase specific strategies local and regional government officials and community development organizations can use to help stabilize and restore Ohio neighborhoods. And a capstone event is scheduled for October in Columbus. Participation in the webinars is free, but registration for each session is required. Read more

Facing the Foreclosure Crisis in Greater Cleveland: What Happened and How Communities are Responding (PDF)
Federal Reserve Bank of New York - Dynamic Mortgage Maps
Foreclosures on Non-Owner-Occupied Properties in Ohio’s Cuyahoga County: Evidence from Mortgages Originated in 2005-2006 (PDF)
See all Foreclosure

Small Communities, Big Challenges: A 2013 Series on Problem Properties: Vacant and abandoned properties remain a major challenge facing municipalities across the region. To help get knowledge and resources to combat this problem into the hands of city officials, practitioners, and funders, the Federal Reserve Bank of Cleveland has partnered with Greater Ohio Policy Center to host a series of events and webinars in 2013. Three one-hour webinars?to be held in April, June, and August?will showcase specific strategies local and regional government officials and community development organizations can use to help stabilize and restore Ohio neighborhoods. And a capstone event is scheduled for October in Columbus. Participation in the webinars is free, but registration for each session is required. Read more

Rural Appalachia in the Fourth District States: Although not directly affected by the boom and bust of the housing market, Appalachia, and more specifically rural Appalachia, might be fighting the current recession's aftershocks for quite some time. This report examines the data to learn how Appalachians in these counties are currently faring. Have they lost what little ground they gained from the late 1970s to the early part of this decade? Read more

Cleveland Fed releases companion piece on banks'' management of REO properties: REO properties present challenges and risks not only to communities, but also to the banks that own them. In late June 2012, the Board of Governors released a Q&A for Federal Reserve-regulated institutions on managing REO properties. The Cleveland Fed, along with the Board of Governors, has prepared this companion primer on managing vacant residential property for stable neighborhoods. It contains information, resources, and suggestions from bankers on the risks, rights, and responsibilities involved in managing such properties — both before and after foreclosure. (PDF)

Resilience and Rebuilding for Low-Income Communities: Research to Inform Policy and Practice: The Community Affairs Officers of the Federal Reserve System are proud to sponsor the eighth biennial Community Development Research Conference. The goal of this event is to highlight new action-oriented and academically rigorous research on resiliency and rebuilding initiatives that can directly inform community development policy and practice. This convening will feature sessions that share interdisciplinary, rigorous, and timely research findings and facilitate a dialogue linking a diverse set of topics relevant to low-income households and neighborhoods. Read more

Small Communities, Big Challenges: A 2013 Series on Problem Properties: Vacant and abandoned properties remain a major challenge facing municipalities across the region. To help get knowledge and resources to combat this problem into the hands of city officials, practitioners, and funders, the Federal Reserve Bank of Cleveland has partnered with Greater Ohio Policy Center to host a series of events and webinars in 2013. Three one-hour webinars?to be held in April, June, and August?will showcase specific strategies local and regional government officials and community development organizations can use to help stabilize and restore Ohio neighborhoods. And a capstone event is scheduled for October in Columbus. Participation in the webinars is free, but registration for each session is required. Read more