Winter 2013

Letter from the Editor

The Foreclosure Legacy

Mapping New England: Rent Cost Burden over 30 Percent, by County

Rental Housing in Rhode Island

Homelessness Prevention: An Inexpensive Solution to a Costly Social Problem

Maine Communities Foster Immigrants’ Small Businesses

Innocent but Incarcerated: 10,000 Lost Years

Building Community through the Arts The North Adams Story

Role-Playing Our Way to Solutions

The Story of a Sausage Business

The Green Retrofit Initiative

When High Finance Meets Age-Old Problems

The Wisdom of Crowdfunding

Fall 2012

Letter from the Editor

The Role of Food Stamps in the Recession

Moving Skills from Low to High

How Peers Affect Student Performance

Community Lending: A Driver for Bank Growth

For Financial Literacy, the Play's the Thing

Resilience Circles Born in a Struggling Economy

The Role of Mediation in Foreclosures

Mapping New England:
Income Distribution by County

Geographic Segregation: The Role of Income Inequality

Incarceration and Community Health

When Neighboring Jurisdictions
Collaborate on Housing

Summer 2012

Letter from the Editor

How Smaller Banks Work with Local Nonprofits

Mapping New England: Relative Costs of School Districts

Community Health Care: Quality That Goes Beyond Access

Housing for Veterans: A New Model

Muslim Immigrants: Hurt by the Recession but Not Complaining

Consumer Payment Options

Books Behind Bars: Connecting Inmates to Their Children Through Reading

Educating New England’s Workforce for the Future

Multiage Education

From Prison to Prosperity: A Model for Job Creation and Economic Self-Sufficiency

Spring 2012

Letter from the Editor

The Role of Immigrants in the New England Economy

Mapping New England: Poverty Rates by County

Gleaning: Capturing Surplus to Meet Local Needs

Structured Financing Benefits the Environment and Communities

The Growth of Latino Small Businesses in Providence

Getting Community Input: A Better Way to Plan

Infrastructure Investment Begins with Children

Rhode Island Changes the Creative Economy

Credentials that Work: Innovations in Labor-Market Information

Making Cuts in State Aid More Equitable

The Need for Financial Education in New Bedford

Winter 2012

Letter from the Editor

Early Childhood Education: Springfield Tackles a Benchmark

The Disability Housing Market in New England

Successful Development of Local and Regional Food Systems

Neighborhoods: Foreclosure's Silent Victims

Mapping New England: 2011 Foreclosure Rates

Lead Exposure and Academic Performance

Aging in Place

From Burma to Waterbury, Connecticut

Collaborating to Revitalize Northern Forest Tourism

Neighborhood Stabilization: The Rural Story

Fall 2011

Start-up Firms in the Financial Crisis

Credit Crisis Squeezes Car Buyers

Interview with Karen Mills

Who Buys Lottery Tickets?

Mapping New England: Single-Parent Households

The Role of Community Banks in Small Business Lending.

Compassion for Young Fathers

Giving At-Risk Youth a Chance

New-Business Creation in Rural New England

Economic Insecurity: The Downward Spiral of the Middle Class

Civic Organizing Through Questions

Summer 2011

State Pensions in Changing Times

The Long-Term Effects of Early Childhood Education

The Impact of Credit Card Policies on Small Business

Artists as Revitalization Agents

Mapping New England: Arts-Based Economic Development

School Testing, 1-2-3: Getting It Right

Keeping the Baby, If Not the Bathwater

Mass Imprisonment: Long-Term Harm versus Short-Term Good

Chelsea Combats Foreclosure

Economic Education and Financial Literacy

Survey of Community Banks Explores Credit Crunch

Spring 2011

New England and the Subtracted City

Mapping New England: Workforce Participation over Age 65

Indian Reservations Build Economically Sustainable Communities

A First-Generation Refugee Interviews a Second-Generation Immigrant on Personal Finance

Health Reform in Massachusetts: An Update

New Haven Coop Expands Access to Fresh Food

Microfinance in New England

Encore Careers: One Solution to the Coming Labor Shortage

Making Municipal Aid Count: Mind the Gap!

Affordable Housing Evolution: Less Top-Down, More Networked

School Readiness: Learning through Play

Somalis in Maine: Collaborating on Gardens and Nutrition

Tribal Recognition in Vermont: The Role of Federal Standards

Credit or Debit: How Do Lower-Income Consumers Pay?

Limiting Immigration Detention and Promoting Access to Counsel

Anticipating Change in the Massachusetts Teacher Workforce

Using Mediation to Stem Foreclosures in Maine

Poverty in New England—It’s a Suburban Thing

Immigration and the Fortune of New England Cities (Revisited)

Mapping New England: Unemployment Gender Gap

Letters to the Editor

Fall 2010

The Crisis and Latino Families

Advanced Manufacturing in New England

Rhode Island Unemployment

Coordinating Homeowner Assistance

Mapping New England: Loan Modifications

Viewpoint: The Subprime Meltdown

Strengthening Early Care and Education

Vermont’s Creative Economy

How Loan Modifications Affect Credit Scores

Summer 2010

Supporting the Core Mission by Paring Costs

The Stimulus and New England State Governments

Livable Communities: A Blueprint for the Future

Town-Gown Cooperation in Community Development

Dialing 2-1-1 in Connecticut

The Future of Homesharing

Law Students Nurture Low-Income Communities

Every Life Should Be Purposeful

The Power of Small: The Origins of Johnny Money

Connect-Ability: Creating Systemic Change for the Disabled

Mapping New England: Disability and Employment

Spring 2010

New England Fishing Communities: Prospects and Uncertainties

Mapping New England: Fishing-Related Industries

Preventing Foreclosure Displacements

Vermont Cultivates Community through Gardening

Preventing Urban Decay with Gardens

Training for Green Jobs

Why Few Lenders Are Modifying Loans

Your House or Your Credit Card?

Reimagining the Unbanked:
Perspectives from South Africa

Fair and Cost-Effective Property Tax Relief

Winter 2010

The Recession’s Effects on African American Males

Placing a Value on Care Work

Child Homelessness: Minimizing the Impact, Ending the Epidemic

Mapping New England: Grandparents Raising Children

The Case for National Children’s Savings Accounts

Investing in Energy Efficiency

The Stimulus and Rural Families

A Proposal to Help Distressed Homeowners

Transnationalism: What It Means to Local Communities

New Partnering between Banks and Nonprofit Lenders

Fall 2009

Regional Clusters

Returning Vets Face Challenges

Enabling Good Housing Decisions:
Choice Architecture

College Financial Aid in Troubled Times

Mapping New England: Child Poverty

Increasing Low-Income Access to Opportunity

HarborOne MultiCultural Center Cuts to the Roots of a Problem

Homelessness and Student Learning

The Bold and the Bankable:
Telenovela and Financial Education

Shared Equity Housing: Designed to Last

Summer 2009

Neighborhood Stabilization and Land Banking

Green Space and Affordable Housing

The Financial Burden of Health Care

New England Immigrants and the Labor Market

The Use of Arbitration in the Credit Card Industry

New England’s Small Cities: A Mostly Untapped Resource

Massachusetts Proposition 2½ Override Simulations

Mapping New England: Real Estate Owned Properties

Breaking Barriers and Building Communities

Four Directions: Native American Lending in Maine

Spring 2009

Building Sustainable Communities

Using Financial Innovation to Support Savers

MicroCredit-NH Boosts North Country Economy

Microfinance in Good Times and Bad

A Nonprofit Chooses a Path to Expansion

Immigrant Experience: The Relation between Skin Color and Pay

Mapping New England: Foreclosure Prevention Event

Making Affordable Housing Greener

College Readiness: Massachusetts Compiles the Data

Winter 2009

The Nest Egg: Tax-Time Savings Innovations for Lower-Income Households

Immigrants and the Massachusetts Health-Care Workforce

Vermont Sustainable Jobs Fund: Vermont’s Green Economy Speeds Up

Gift Card Value when Issuers Go Bankrupt

Needed Skills Versus Available Skills: An Assessment Tool Is Launched

Poverty and Health

New England’s Foreign-Born Population Today

Addressing Concentrated Poverty in America

Fall 2008

Tax Credits for Historic Rehabilitation

The College as Community-Based Organization

Age-Restricted Housing in New England

Mapping New England: Age-Restricted Housing in New Hampshire

Creating Hope for Incarcerated Women

No Island Is an Island: Maine’s Island Housing Groups Collaborate

Maine’s Lifelong Learning Accounts

From Subprime Mortgages to Subprime Credit Cards

Funding New England’s Co-operative Movement

Summer 2008

Immigrants’ Contributions in an Aging America

Transnationalism: Living in Two Worlds

The Impact of Immigration Raids on Children

Linking Institutional Investors to Communities

The Golden Years Dilemma

Native American Bank: Banking the Unbanked

Demographic Trends in New England at Mid-Decade

We Just Knock on Doors

Letters to the Editor

Spring 2008

Early Childhood Development Yields High Returns

FIRST Robotics in Clinton, Massachusetts

Mapping New England: Community Colleges Serve Local Needs

Viewpoint: Competitiveness and the Community College

Rebuilding a Community: Lessons from New Orleans

Measuring Cultural Vitality in Communities

The Evolution of Philanthropy

Green Investment Strategies: A Positive Force in Cities

The Heron Foundation Expands Philanthropy’s Reach

Public Investment in Higher Education

Winter 2008

An Alternative to Eminent Domain

Holbrook’s Wharf, Cundy’s Harbor, Maine

Mapping New England: Heating Fuel in Southern New England

Building a Workforce from Preschool Up

Improving Opportunities for Abenaki Youth

When Motivation Means Opportunity: Training for Real Jobs

Regionalism Picks Up Speed

New Hampshire’s Minimum Wage

Capacity Building for Nonprofits: A Hartford Example

Providence Business Uplifts the Poor

Fall 2007

Helping Clients Build Credit

Do Temporary Jobs Help Low-Skilled Workers?

Mapping New England: Largest Immigrant Groups

New England Farmers Meet Immigrant Needs

Young Entrepreneurs Are the Future

The New England Health-Care Experiment

Changes in Income Distribution in New England

Understanding Concentrated Poverty

An Overview of New England’s Economic Performance in 2006

Uniting the For-Profit and Nonprofit Worlds

Letters to the Editor

Summer 2007

Incentives for Urban Pioneers

Family Caregiver: Balancing Home and Work

Mapping New England: The Caregiver Crunch

Protecting Coastal Communities: Managing Change

Financing the Everyday Entrepreneur

Historic Preservation Meets Community Development

Creating Opportunities

Building Vermonters’ Credit

Manufactured Housing and Resident-Owned Communities

New Life for Berlin, New Hampshire

Spring 2007

Gaps Between New England Men and Women in College Degree Attainment

Economic Development in Maine

Bringing Jobs to Western Maine

Tackling Foreclosure

Foreclosure in Rhode Island

In-State Tuition Rates and Immigrants

Safe Growth and Natural Disaster

Environmental Finance for Affordable Housing

Estimating the Cost of Being Unbanked

Mapping New England: 2005 Housing Permits in New England

The Rural Entrepreneur: Overcoming Isolation

Winter 2007

When Donors Feel Generous

A Ticket to the Middle Class: Working Off College Debt

25 Years of Internships

Targeting Urban Revitalization

Venture Strategies for Distressed Areas

Supplier Diversity and Economic Development

Mapping New England

A New Approach to Public Housing

Reasons for Optimism

Fall 2006

Industrial Ecology: Environmental and Economic Boon

Data and Measurement in Community Economic Development

Responsive Community Development

Public Pensions: The Multiplier Effect

Mapping New England: Concentration of Poverty

Help for Low-Income Families

New Horizons for New England Agriculture

Home Ownership in a High-Cost Region

Youth Flight: Are Housing Costs the Issue?

Summer 2006

Supportive Housing: Combating Homelessness in Connecticut

Immigrant Homebuyers and Economic Revitalization

Introduction to Islamic Finance

New Hampshire’s Working Women

Connecticut through Katrina-Colored Glasses

Mapping New England: Number of Businesses Going Up (1998 to 2003)

Changing Minds

Barriers to Saving: The Dilemma for Low-Income Families

Inner Cities Offer Competitive Advantages

Spring 2006

Alternative Mortgages: Managed Risk or Gamble?

Economic Revitalization through the Arts

Starting a Community Development Bank in New Haven

Helping the Elderly with Daily Money Management

Recycling Urban Vacant Land

Breaking New Ground

Mapping New England: High-Priced Refinance Loans

News From the Bank
Home Mortgage Disclosure Act Update

Recovering from Military-Base Closings

Winter 2006

New Funding Mechanisms: New Approaches in Social Investing

Matchmaking for Communities and Investors

Benefiting Both Nonprofits and Donors

Mapping New England: High Concentrations of Brazilians in Southern New England

Reaching Immigrant Communities

Beyond Neighborhood Revitalization

Helping the Poor Accumulate Assets

Asset-Based Community Development

Fall 2005

Natural Disasters and Bankruptcy: A Perspective

Massachusetts Communities at Risk: A Report from the Municipal Finance Task Force

The Taste of Place: Local and Regional Foods Transform the Northeast

Mapping New England: Farm Concentration

Thinking Holistically: Woonsocket Neighborhood Development Corporation

Giving and Receiving in the Nonmonetary Economy

How Fiscal Sponsorship Nurtures Nonprofits

Green Development: Improving the Health of Residents and Neighborhoods

Phishing and Pharming: Helping Consumers Avoid Internet Fraud

Summer 2005

Straight A’s? Evaluating the Success of Community/University Development Partnership

Low Income Housing Tax Credits—Strategies for Year 15

Immigrant Entrepreneurs: A Key to Boston’s Neighborhood Revitalization

Demographic Shifts Impact Maine’s Communities: First Person with Laurie LaChance

Mapping New England: Changes in Median Home Prices in Cities and Towns in Southern New England, 2000 to 2004

Spring 2005

Deconstructing the Myths: Housing Development Versus School Costs

Made in Vermont: Protecting the Rural Working Landscape

New HMDA Data: Intent, Interpretation, and Implications

Campus and Community Collaboration: First Person with John Bassett

Mapping New England: The Region's Colleges and Universities

Winter 2005

Reviving Main Street: Two New England Case Studies

Connecting Public Schools to Community Development

Check 21: A Quick Guide for Consumer Advocates

Fall 2004

Measuring the Impact of Community Development

Who Are New England's Immigrants?

Are Small Businesses Concerned about Credit?

Surmounting Obstacles in Hartford: First Person with Luis C. Caban

Summer 2004

Transforming Public Housing into Affordable Assisted Living

Sprawl vs. Smart Growth — The Power of the Public Purse

Quality of Life Improves in Brockton — Community Lenders Fight for the City of Champions

Finding New Challenges in Chinatown

Spring 2004

Solving the Upper Valley's Housing Needs

Capital Markets for Community Development Lenders: Questions and Answers

A Look at Household Bankruptcies

The Path of a Social Entrepreneur

Fall 2003

Banking Trends:
Banking Unbanked Immigrants through Remittances

Enterprising:
Digital Storytelling: Creating a New Community Anthology

Productive Partnerships:
Revitalizing Central Western Maine's Economy

First Person:
Jumpstarting a New Career

Spring 2003

Banking Trends:
Predatory Lending: Attempts to Plug the Money Drain

Research Review:
Factoring Child Care into the Welfare to Work Equation

Winter 2003

Enterprising:
When Affordable Homeownership Means Doing It Yourself

Affordable Housing:
Participation in Brownfields Redevelopment

Research Review:
Is Housing Next in Company Benefits?

First Person:
A Community Development Work in Progress

Fall 2002

Enterprising:
A Fresh Look At Manufactured Housing

Affordable Housing:
New England's Share of a Quiet Crisis

Research Review:
Taking Stock of CRA

Banking Trends:
Mortgage Scoring and the Myth of Overrides

First Person:
Refashioning My Career with Community in Mind

Summer 2002

Enterprising:
Netting Venture Capital from a Fishing Village

Investment Trends:
Social Investors: New Patrons of Community Development

Research Review:
Improving Low-Income Policies in Tight Fiscal Times

Productive Partnerships:
Partnerships and Collaboration Rebuild Communities

First Person:
Changing Direction: One Banker's Journey from NYC to Brattleboro

Spring 2002

Enterprising:
Mind the Gap: Grandparents Raising Grandchildren

Research Review:
Home Price Appreciation in LMI Markets

Compliance Corner:
Updating HMDA (Home Mortgage Disclosure Act)

Banking Trends:
A Number or a Person?

Winter 2002

Enterprising:
The Promise of Asset-Development Policies

Consumer Focus:
Getting Back Earned Income

Banking Trends:
Lenders and Third-Party Brokers

Fall 2001

Enterprising:
The Inner City's Competitive Edge

Around New England:
The Shrinking of Connecticut's Big Cities

Productive Partnerships:
Are Geographic Borders Old-Fashioned? Regionalists
Say "Yes"

Summer 2001

Enterprising:
Making Microenterprise Easier

Affordable Housing:
Chapter 40B and Its Next Chapter

Productive Partnerships:
Joining Forces to Protect the Real Vermont

Spring 2001

Banking Trends:
Moving into New Territory: Internet Banks Make Defining Community Difficult

Around New England:
Art's Economic Power in New England

Productive Partnerships:
Soft Second Mortgage Program Celebrates Ten Years

Winter 2001

Productive Partnerships:
Finding Common Ground: The Massachusetts Community & Banking Council Experience

Banking Trends:
Perspectives on Credit Scoring and Fair Mortgage Lending: Article Two

Enterprising:
Bringing IT Training to Underserved Markets

Fall 2000

Feature Story:
How Local Regulations Can Help Meet Our Housing Needs

Productive Partnerships:
A Progress Report of Insurance Industry Investors

Around New England:
Producing Skilled Labor: How the Workforce Investment Act Works

Spring 2000

Feature Story:
Perspectives on Credit Scoring and Fair Lending:
A Five-Part Article Series

Around New England:
Cohousing: A New Kind of Old Neighborhood

Compliance Corner:
Regulatory Q & A

Winter 2000

Feature Story:
The Political Economy of Indian Gaming: The New England
Experience

Enterprising:
The National Housing Development Corporation:
A New Nonprofit Focused on Preserving Affordable Housing

Fall 1999

Summer 1999

Feature Story:
Check Cashers: Moving From the Fringes to the Financial Mainstream

Spring 1999

Feature Story:
From Public Assistance to Self-Sufficiency: The Role for the Microenterprise Strategy

Consumer Focus:
Borrower Beware: Equity Strippers are Preying on Elderly Homeowners

Winter 1999

Fall 1998

Feature Story:
Rural Labor Markets in New England: The Case of Vermont

Summer 1998

Feature Story:
The Growing Securitization of Small Business Loans

Enterprising:
The Business Consortium Fund: Working Capital for MBEs

Consumer Focus:
Regulation M: Improved Protection for Consumer Leasing

Winter 1998

Feature Story:
Community Profiling: Planning for a Change

Enterprising:
Making it Work in South Providence

Compliance Corner:
The Fair Credit Reporting Act Gets an Overhaul

Fall 1997

Feature Story:
Brownfields: Golden Opportunities?

Summer 1997

Feature Story:
Wall Street on Main Street

New England Enterprise Communities: An Experiment in Economic Revitalization

Compliance Q&A: From Twelve Factors to Three Tests: Large Institutions Transition to the New CRA

Fall 1996

Feature Story:
Where Credit Is Due: Credit Scoring and Mortgage Lending

The Real Estate Café: Serving Home Ownership in Greater Boston

Compliance Q&A: Retail Banking, Community Development, and the CRA

Summer 1996

Feature Story:
Strategic Approaches to Regional Economic Development

Coastal Enterprise Inc.: A Holistic Approach to Regional Economic Development

Compliance Q&A: Home Mortgage Disclosure Act

Video Seminar Highlights Issues Relevant to Lending in Indian Country

Winter 1996

Feature Story:
Compliance and Growth

A Guide to the New CRA Regulation

Compliance Q&A: The New CRA and the Strategic Plan Option

A Growing Enterprise: The Small Business Incubator

Summer 1995

Feature Story:
Community Reinvestment Act: Strategic Planning and Strategic Partnerships

Community Reinvestment: Banking on the Future

Partnership for Progress: Banks and Community Development Corporations

Today's CRA: Realizing the Vision of Community Reinvestment

Massachusetts Bankers and Community Leaders Report on Progress in Community Reinvestment

Summer 1994

Feature Story:
Updates

"Investing in the Inner Cities: A Vision for Positive Change and Creative Partnerships"

Spring 1994

Feature Story:
Less Costly Loans

The Massachusetts Soft Second Mortgage Program

Mortgage Lending Reforms Agreed on by Massachusetts Banks and the Massachusetts Attorney General

The Federal Agencies' Policy Statement on Discrimination in Lending

The Rhode Island Area Small Business Loan Program

Information on Community Development, Affordable Housing, Small Business Development, and Fair Lending

Winter 1993

Feature Story:
Home Mortgage Lending: New Products, New Partnerships, New Means of Ownership

Breaking into the Housing Markets through Affordable Housing Dispositions

Cooperative Approaches to Living

Federal Housing Enterprise Financial Safety and Soundness Act of 1992

How to Finance a First-Time Homebuyer Program with Matching Federal Home Loan Bank Funds

Good Samaritans

Summer 1992

Feature Story:

Affordable Rental Housing: Rebounding from a Decade in Decline

Affordable Housing by Nonprofits: An Overview

Expanding the Secondary Market

Low Income Housing Tax Credits

Secondary Mortgage Market for Multifamily Housing Loans Created In Massachusetts

Housing Trust Funds

Lead Poisoning: An Epidemic in our Communities and in our Housing

Community Reinvestment: A Hometown Approach

Spring 1992

Feature Story:
From Advocates to Developers: The Changes Roles of Community-Based Organizations

The Evolution of Community-Based Housing Development

Coalition for a Better Acre: Fighting Disinvestment in the Inner City

Gilman Housing Trust: Creating Affordable Housing in Rural Vermont

Winter 1992

Feature Story:
The HMDA Debate: Can We Achieve in Mortgage Lending?

Community Reinvestment: Doing Good While Doing Well

Boston First Banking

Fall 1991

Feature Story:
CDBG Funds A Resource for Business Development

Jobs for Fall River

Springfield Business Development Fund

Home Mortgage Disclosure Act

Maine Development Fund

Summer 1991

Feature Story:
Banking Councils Partnerships for Community Development

Massachusetts Community and Banking Council

Burlington Community Banking Council

Sea Coast Community Banking Council