The State of the Nation’s Housing 2026, newly released by Harvard’s Joint Center on Housing Studies, makes clear that the financial anxiety nearly all consumers suffer from housing cost burdens is but one of many dimensions to a national crisis affecting consumers, business, and government alike.
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The City of Miramar is investing in local entrepreneurship and community development through a new grant initiative designed to help small businesses and nonprofit organizations strengthen their operations and expand their impact.
For more than 50 years, the Equal Credit Opportunity Act (ECOA) has been an effective federal safeguard to ensure that Black, Latino, Native Americans and other economically marginalized people have fair access to safe and affordable credit. Enacted with bipartisan support in Congress and signed into law by President Gerald Ford in 1974, ECOA has been a legal backbone in the fight against financial discrimination for literally millions of qualified borrowers.
Ambition Without Access, a newly released study by the Julian Bond Institute (JBI), an initiative of the Center for Responsible Lending (CRL), is the first nationally representative look at how wealth and financial aspirations differ across race and generations particularly for Blacks and Latinos.
The corporate world is getting flatter. In recent years, companies have had to respond quickly to unanticipated major shifts in the marketplace, including a worldwide pandemic and tariff-driven cost increases. One popular strategy is to find greater efficiencies where you can, and the most vulnerable are middle managers. This is the group that is not directly responsible for generating revenue.
Cash flow is essential to the management of any business, but it is especially important for small businesses, which tend to operate on tighter budgets. Cash flow measures how much money is coming in versus how much is going out. Having a positive cash flow means that your business can cover expenses, manage debt and invest for future growth.
But now, a pair of predatory lenders, Enova and Opportunity Financial (OppFi) listed on the New York Stock Exchange, have turned to a different approach for continued exploitation of the nation’s working poor: becoming a bank.
Predatory lenders target people struggling to meet monthly expenses, who have recently lost their jobs, and who are denied access to a wider range of credit options for illegal reasons, such as discrimination based on a lack of education or older age.
The U.S. Department of Education finalized a rework of the federal student loan system on Thursday (April 30), in compliance with President Donald Trump’s Working Families Tax Cuts Act, signed into law on July 4, 2025.
As the nonprofit sector has passed the first quarter of 2026, the operating environment has grown more complex, not necessarily because challenges are new, but because they are intensifying and intersecting in new ways. Workforce shortages persist, funding patterns remain uneven, and artificial intelligence is rapidly reshaping both opportunity and risk.