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March 29-30, 2007

The Capital Hilton,


Washington, D.C. Call For Papers
A Federal Reserve System Authors of papers accepted for the
Community Affairs Research Conference conference are expected to provide
executive summaries, which may be
published in the Federal Reserve’s
conference proceedings. Paper
presenters and discussants will
In the 30 years since the The program committee welcomes research papers and studies receive travel expenses as per Federal
passage of the Community Rein- that address the following topics, among others: Reserve System guidelines; authors
vestment Act (CRA), the financial of selected papers will receive hono-
services landscape has undergone • Challenges to and opportunities for improving the effectiveness rariums.
significant changes, including con- of community development efforts, including:
– The changing market structure of the financial services Along with your submission, please
solidation, geographic expansion, indicate whether you would like your
industry
and product, process, and provider – The changing market structure of community organizations paper considered for publication in
innovations. – Fair and equal access to credit
the Journal of Economics and Busi-
The Community Affairs offi- ness. The regular submission fee for
– Consumer debt burdens and/or bankruptcies the journal will be waived for papers
cers of the Federal Reserve System – Foreclosures submitted through the conference.
are jointly sponsoring their fifth – Predatory lending Loretta J. Mester will serve as editor
biennial research conference, to en- – Financial education of this special issue. Acceptance for
courage objective research into the the conference does not guarantee
• Effective government policy for promoting community develop- acceptance for publication in the
factors governing the availability
ment in the new financial services environment Journal of Economics and Business.
of credit and capital to individuals
and businesses within this chang- Individuals interested in present-
ing financial services environment. • Regulation of consumer finance ing their research should submit via
How effective has the CRA been in e-mail an electronic copy of their
• The impact and effectiveness of the CRA on: completed paper (which will receive
promoting such access and encour- – Lending and investment preference) or detailed abstract by
aging community and economic – Urban/suburban residential growth July 15, 2006 to:
development? Will CRA continue to – Small business growth in low- and moderate-income areas
be effective, or is it even needed – The borrowing patterns of minorities and immigrants Loretta J. Mester
in the new financial environment? – Wealth creation in underserved communities Senior Vice President
and Director of Research
What new challenges will house- E-mail: PHIL.CAResearchConf
holds, businesses, and communities • The impact of the 2005 changes to the CRA on its effectiveness @phil.frb.org
face as the economic and financial
environment continues to change? • Methods for assessing the efficacy of the CRA and other com- Mailing address:
Will current programs and govern- munity development efforts Loretta J. Mester
Senior Vice President
ment policies need to be altered to
• Innovations in financial products, services, delivery of services, and Director of Research
increase their efficacy? ATTN: Community Affairs
and marketing of services to underserved communities
The conference will bring to- Research Conference
gether a diverse audience from aca- • Consumer access to mortgage and other credit Research Department
demia, financial institutions, com- Federal Reserve Bank of Philadelphia
Ten Independence Mall
munity organizations, foundations, • Business access to credit and capital Philadelphia, PA, 19106-1574
and the government. The Journal of
Economics and Business intends to • Studies that use new proprietary databases or the most recent Telephone inquiries:
publish a special issue on the topics Home Mortgage Disclosure Act (HMDA) data, the Survey of Amy Lempert, Manager
covered in the conference. Consumer Finances (SCF), or the Survey of Small Business Community Affairs Department
Finances (SSBF). Federal Reserve Bank
of Philadelphia
Phone: 215-574-6570

Financing
Community
Development
Learning from the Past,
Looking to the Future