Business Commons^™

Work-Based Social Support In The United States: Limits And New Possibilities, Heather Boushey, Chris Tilly

Center for Social Policy Publications

The U.S. social policy framework has always relied on private employers to fill in the gaps for workers, rather than the state. U.S. workers have neither a strong social safety net outside of the labor market, nor an extensive social welfare structure supporting the labor market. For the most part, adequate provision of social benefits depends critically on employers’ voluntary adoption of support policies. For example, the U.S. has neither a universal health plan nor a requirement that employers provide health insurance coverage; the U.S. public system of old-age pensions is work-based, and that public system falls short unless supplemented …

Changing Patterns Xiv: Mortgage Lending To Traditionally Underseved Borrowers & Neighborhoods In Boston, Greater Boston And Massachusetts, 2006, Jim Campen

Gastón Institute Publications

This is the fourteenth in the annual series of Changing Patterns reports prepared for the Massachusetts Community & Banking Council (MCBC) by the present author. This year’s report, for the first time, includes the analysis of subprime lending that was previously presented in a separate annual series of Borrowing Trouble reports. The report presents information for the city of Boston, for Greater Boston, and for Massachusetts, as well as for each of the state’s fourteen counties and each of its thirty-three largest cities and towns.

The analysis is based on federal Home Mortgage Disclosure Act (HMDA) data for 2006, as …