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The present system needs improvement, but it works; regulators can take time to carefully consider concerns raised in response to proposed changes.
"We need to create the infrastructure within government to enable flexibility in times of crisis."
Demand for the financial services offered by community development financial institutions is growing, but CDFIs must strengthen their finances.
How do we measure the effectiveness of community development financial institutions?
The seven million foreclosures that occurred between 2004 and 2015 fueled the Great Recession. But the role of adverse public records is just as significant.
Simple rules of thumb, even if they’re not as detailed as other forms of financial education, might help people improve their financial decisionmaking.
Community development financial institutions help bring mainstream finance to underserved communities. As inequality grows, the industry must figure out how to expand its reach.
How do Americans use debt throughout their lifetime? We recently examined the credit records of more than 5 million consumers to find out.
Helping people who use homeless services isn't just about balancing budgets or putting roofs over heads. It’s about advancing systems that work.
Urban and OMB director Shaun Donovan both announced programs on Wednesday to help the innovative financing mechanism grow further and faster.

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