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Legislative and regulatory changeshave blurred distinctions betweencredit unions and other depositoryinstitutions and raised questionsabout the tax-exempt status ofcredit unions. This report (1)assesses the effect of the CreditUnion Membership Access Act oncredit union membership andcharters, (2) reviews the NationalCredit Union Administration's(NCUA) efforts to expand servicesto low- and moderate-incomeindividuals, (3) compares ratesoffered by credit unions withcomparably sized banks, (4)discusses unrelated businessincome tax issues, and (5) assessestransparency of credit union seniorexecutive compensation. Toaddress our objectives, weobtained NCUA data on creditunion membership, charterchanges, efforts to target those ofmodest means, and executivedisclosure requirements. We alsoanalyzed Federal Reserve Board'sSurvey of Consumer Finances andInternal Revenue Service data.
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GAO-07-29 Credit Unions: Greater Transparency Needed on Who Credit Unions Serve and on Senior Executive Compensation Arrangements
The United States has two separate banking systems today—one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities—all thanks to deregulation that began in the 1970s and continues decades later. “Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...How the Other Half Banks is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.” —Nancy Folbre, New York Times Book Review “How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.” —Lisa J. Servon, American Prospect
This timely book takes a wide-angled look at how the field of community development is evolving in an era of reduced resources, changing priorities, privatization, competition, and performance management at the federal, state, and local government levels, as well as for non-profits and private sector entities. It shows how community development organizations and programs are offering many new services, entering into new partnerships, developing extensive networks, and attracting new and alternative sources of funding - and how, in the process, these organizations are becoming more innovative, leaner in their operations, more competitive, and much more effective than ever before.Students, researchers, and policy-makers will all appreciate the numerous policy examples from the local, state, and federal levels, including a wide range of developments in housing, transportation, smart growth, education, and crime prevention. "Reengineering Community Development for the 21st Century" is an invaluable source for insights into the latest developments in community development financing and performance management.
Taxocracy: What You Don’t Know About Taxes and How They Rule Your Daily Life won’t help you lower your tax bill, but it will help you understand how politicians use taxes to influence our lives, how taxes harm the economy, and why we need a simpler tax system. Did you ever wonder why the costs of health care, housing, and college tuition keep going up? Or how your neighbor could afford that fancy electric car? Or why there are so many hard seltzers on the market? Your first guess might not be “taxes,” but they play a big role. We live in a world ruled by taxes—a taxocracy. History is full of misguided tax policies that led to “see-through” buildings, tax-free attics, three-wheeled cars, women in children’s clothing, and baked chips to go along with our hard seltzer. Written by former Tax Foundation CEO Scott Hodge, Taxocracy: What You Don’t Know About Taxes and How They Rule Your Daily Life uses amusing lessons from past tax policies gone wrong to explore how the US tax code caused serious consequences, affecting how we get our health insurance, the price of a college education, what car we buy, where we bank, and, in some cases, even when we die. Taxocracy outlines economic principles for designing a tax code that doesn’t rule our daily lives—a tax code that promotes economic growth, free-enterprise, and takes the politics out of tax policy.