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Journal Article
New Mexico Encourages Citizens to Save
Low-income residents in New Mexico now have more incentive than ever to save for a home, an education or their own business. In the 2006 legislative session, the state provided $1.5 million to fund the Individual Development Account Act that passed in 2003.
Discussion Paper
Consumer credit conditions 2015
Journal Article
A Summary of Consumer Protection Regulatory Changes
Many regulatory changes go into effect in 2009 and 2010 as the government works to increase the knowledge of consumers who are shopping for credit.
Journal Article
ACCION Texas Reaches Out to Small Businesses
ACCION Texas, the country's largest microlender, is reaching small businesses across the state's 262,000 square miles. In 2001, the nonprofit organization provided loans to small businesses in 203 Texas communities, Ben Wheeler—population 400—among them.
Journal Article
Federal Reserve’s Consumer Advisory Council: A Q&A with Governor Gramlich
The Consumer Advisory Council (CAC) is the public's link to the Federal Reserve Board of Governors. At the Board's suggestion, Congress created the CAC to help the Board get advice from consumers, communities and the financial services industry about consumer protection laws and related topics. Federal Reserve Governor Edward M. Gramlich, who has Board oversight of the CAC, offers answers to the following questions.
Journal Article
En español, por favor: 'Building Wealth' Now Available in Spanish
To empower Spanish speakers with the information they need to save and create wealth, the Federal Reserve Bank of Dallas has translated into Spanish its publication Building Wealth: A Beginner's Guide to Securing Your Financial Future.
Journal Article
The Texas Housing Market
In a recent Southwest Economy, Dallas Fed economists D'Ann Petersen and Laila Assanie examine the Texas housing market. Another article, by the Real Estate Center at Texas A&M University, provides an in-depth analysis of Texas' housing affordability and how it differs across the state's metropolitan areas.
Journal Article
Regulations
The Federal Reserve, HUD and the Federal Trade Commission, among others, implement regulations that address many abusive lending practices.
Journal Article
Restoring Good Credit: A First Step to Personal Economic Recovery
In the wake of the Great Recession, more Americans are turning their focus to personal financial recovery. Whether they are recovering from a setback such as unemployment or reduced income, increasing their rainy-day funds, shoring up retirement savings, reducing high-cost debt balances, or all of the above, consumers know that good credit is key to financial stability and success.
Journal Article
Get the Facts: Financial Literacy Makes Cents
"Financial Literacy: An Overview of Practice, Research, and Policy," in the November 2002 issue of the Federal Reserve Bulletin, discusses the concern that many consumers lack a working knowledge of financial concepts and the tools they need to make decisions advantageous to their economic well-being.