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Fall/Winter 2009

Cover Story

Community Perspective: Implementing the Neighborhood Stabilization Program

The following pages compare the strategies and challenges of two community organizations—one in Virginia and the other in South Carolina—that are trying to tackle the negative impacts of foreclosure through the federal Neighborhood Stabilization Program (NSP).

Angles

Car Ownership and Working Families: Barriers and Opportunities

This article discusses the impact that predatory and subprime lending in the automobile industry on low- to moderate- income families.

Loan Modifications: "Making Home Affordable"

This article provides a brief chronology of federal efforts that led to MHA with particular attention to adjustments made to HAMP to improve mortgage affordability.

Payment Innovation: Helping the Underserved

This article summarizes new opportunities for reaching regions and markets underserved by the current banking system and the challenges to adopting new iPhone application technology.