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Neighborhoods And Banking
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Book Synopsis Do Fringe Banks Create Fringe Neighborhoods? by : Charis Kubrin
Download or read book Do Fringe Banks Create Fringe Neighborhoods? written by Charis Kubrin and published by . This book was released on 2014 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the aftermath of one of the worst recessions in U.S. history, high unemployment has placed millions of Americans in precarious financial positions. More than ever Americans are opting out of traditional financial services, relying instead on “fringe lenders” such as check cashers, payday lenders, and pawnshops to manage their finances. Given their tremendous growth and the concern that consumers who are least able to pay for high-cost, high-risk financial products are most likely to use them, fringe lenders have been the subject of controversy and the focus of much research. Largely unknown, however, are the effects of fringe lenders on the communities where they are located. Given their spatial concentration in low-income neighborhoods with greater concentrations of racial and ethnic minorities -- areas with typically more crime -- of concern is whether fringe lenders themselves are criminogenic. We consider this by examining the impact of several types of fringe lenders on neighborhood crime rates in Los Angeles. Our findings reveal that the presence of fringe banks on a block is related to higher crime levels, even after controlling for a range of factors known to be associated with crime rates. The presence of a fringe bank also impacts crime, particularly robbery, on adjacent blocks. Whereas we find that pawnshops have little impact on crime levels, payday lenders and check cashers have a much stronger impact. Finally, we discover there are moderating effects, as the fringe lender-crime relationship is considerably reduced if the lender is located in a higher population density area.
Download or read book Neighborhoods and Banking written by and published by . This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Reserve Bank of Richmond presents the full text of an article entitled "Neighborhoods and Banking," by Jeffrey M. Lacker. The article was published in the Spring 1995 issue of "Economic Quarterly." Lacker discusses the regulation that implements the Community Reinvestment Act, which encourages banks to lend in low- and moderate-income neighborhoods.
Author :United States. Congress. House. Committee on Banking, Currency and Housing. Subcommittee on Housing and Community Development Publisher : ISBN 13 : Total Pages :356 pages Book Rating :4.:/5 (327 download)
Book Synopsis National Neighborhood Policy Act by : United States. Congress. House. Committee on Banking, Currency and Housing. Subcommittee on Housing and Community Development
Download or read book National Neighborhood Policy Act written by United States. Congress. House. Committee on Banking, Currency and Housing. Subcommittee on Housing and Community Development and published by . This book was released on 1976 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :232 pages Book Rating :4.F/5 ( download)
Book Synopsis Neighborhood Reinvestment Corporation by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Neighborhood Reinvestment Corporation written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1977 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :266 pages Book Rating :4.0/5 (1 download)
Book Synopsis Neighborhood Preservation by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Neighborhood Preservation written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1976 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :232 pages Book Rating :4.:/5 (327 download)
Book Synopsis Neighborhood Diversity by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Neighborhood Diversity written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1977 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Take it to the Bank by : Payton Heins
Download or read book Take it to the Bank written by Payton Heins and published by . This book was released on 2014 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :0 pages Book Rating :4.:/5 (721 download)
Book Synopsis Neighborhood Preservation by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Neighborhood Preservation written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1976 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Select Committee on Aging. Subcommittee on Housing and Consumer Interests Publisher : ISBN 13 : Total Pages :102 pages Book Rating :4.F/5 ( download)
Book Synopsis Banking Reform by : United States. Congress. House. Select Committee on Aging. Subcommittee on Housing and Consumer Interests
Download or read book Banking Reform written by United States. Congress. House. Select Committee on Aging. Subcommittee on Housing and Consumer Interests and published by . This book was released on 1988 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Banks, Neighborhoods, and the Community Reinvestment Act by : Nathan Weber
Download or read book Banks, Neighborhoods, and the Community Reinvestment Act written by Nathan Weber and published by . This book was released on 1981 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis How the Other Half Banks by : Mehrsa Baradaran
Download or read book How the Other Half Banks written by Mehrsa Baradaran and published by Harvard University Press. This book was released on 2015-10-06 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States has two separate banking systems today—one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities—all thanks to deregulation that began in the 1970s and continues decades later. “Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...How the Other Half Banks is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.” —Nancy Folbre, New York Times Book Review “How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.” —Lisa J. Servon, American Prospect
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher : ISBN 13 : Total Pages :182 pages Book Rating :4.F/5 ( download)
Book Synopsis Banking Services in Low- and Moderate-income Communities by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Download or read book Banking Services in Low- and Moderate-income Communities written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and published by . This book was released on 1995 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Neighborhood Lending Programs by : First National Bank of Chicago. Neighborhood Banking Division
Download or read book Neighborhood Lending Programs written by First National Bank of Chicago. Neighborhood Banking Division and published by . This book was released on 1980 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Are Banks on the Map? written by and published by . This book was released on 2007 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: In most of the largest 25 metro areas in the US, banks are not located in working class and minority neighborhoods in the same proportion that they are located in wealthy and white neighborhoods. NCRC mapped bank branches in the largest metro areas in the US, and then compared to the income level and minority level of the census tracts of the cities. While a few cities stand out as models of even distribution, most maps show a stark disparity: upper-income and white neighborhoods contain the great majority of bank branches. This disparity has an impact on the ability of families in these neighborhoods to access financial services and thus build assets and climb out of poverty. The report is composed of three components. First, it compares the benefits of the mainstream banking industry over fringe banking outlets - the check cashers, payday loan stores, and pawnshops - showing how banks provide superior and more affordable services. Second, it explains the methodology behind how the mapping analysis was carried out and then presents its key findings. Third, it offers recommendations on how to improve the types of services offered to working class and minority individuals, in order to increase their prospects of building wealth and creating assets.
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :120 pages Book Rating :4.X/5 (3 download)
Book Synopsis Local Neighborhood Solutions for Housing and Economic Opportunities by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book Local Neighborhood Solutions for Housing and Economic Opportunities written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 1995 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt: Distributed to some depository libraries in microfiche.
Book Synopsis After Redlining by : Rebecca K. Marchiel
Download or read book After Redlining written by Rebecca K. Marchiel and published by University of Chicago Press. This book was released on 2021-09-05 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The story of how American banks helped disenfranchise nonwhite urbanities and condemn to blight the very neighborhoods that needed the most investment is infuriating. And yet, by digging into the history of urban finance, Rebecca Marchiel here illuminates how urban activists changed some banks' behavior to support investment in communities that they had once abandoned. These developments, in turn, affected federal urban policy and reshaped banks' understanding of the role that urban communities play in the financial system. The legacy of reinvestment activism is clouded, but Marchiel's detailing of it transforms our understanding of the history and significance of community/bank relations"--Provided by publisher.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :0 pages Book Rating :4.:/5 (19 download)
Book Synopsis Neighborhood Diversity by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Neighborhood Diversity written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1977 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
