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Negative Equity in Communities of Color in the Chicago Six County Region

November 16, 2012

The housing crisis stripped many families of their wealth, especially those in communities of color. This session will present research findings on "negative equity".

Asset Building & Financial Security; Poverty

The Scope of Retirement Income Insecurity Among Illinois Workers

November 16, 2012

This presentation examines sources of retirement incomes and trends, access to employment-based retirement savings plans in Illinois, and policy recommendations.

Asset Building & Financial Security; Employment; Poverty

Coming Up Short: The Scope of Retirement Insecurity Among Illinois Workers

September 1, 2012

The purposes of this report are to identify the principal sources of retirement income, examine the extent and types of workers facing retirement insecurity, and explore the necessary components of a state-level public policy solution that could help to address the problem. Using employment data by industry and estimated retirement plan sponsorship rates, this report shows how many workers in Illinois, especially those in industries with traditionally low-wage workers, lack access to one of the mainstays of retirement income: a tax-deferred, employment-based retirement savings plan. The report concludes with a discussion of the essential components of a state policy that would expand access to tax-deferred, employment-based retirement savings plans.

Asset Building & Financial Security; Employment; Poverty

Bridging the Gap: Credit Scores and Economic Opportunity in Illinois Communities of Color

September 1, 2010

This report analyzed credit score data from a major national credit bureau in large Illinois zip codes and found significant disparities in credit characteristics between communities of color and predominantly white communities, as well as between major metropolitan areas and non-metropolitan areas. The report explains the importance of credit scores and how they are used, and recommends several policies to improve economic opportunity for people and communities impacted by low credit scores. Included is an appendix with demographics and credit score averages and distributions for large Illinois zip codes.

Asset Building & Financial Security; Employment; Human Rights & Justice; Poverty

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