The recommendations found in this project are the product of community development financial institutions (CDFIs) from across the country and an advisory board established to review the recommendations found herein. The advisory board sought to offer a balanced and comprehensive approach to the many challenges facing our nation today. Opinions expressed in the articles are those of the authors and do not necessarily reflect the views and policies of Opportunity Finance Network or its individual Members.

Some of the photography included in this book is stock imagery; those images are not meant to represent the actual people or places referenced. Opportunity Finance Network would like to express gratitude for the strong support of its funders. This book was made possible through the contributions of OFN Members and grants by the Ford Foundation, the Charles Stewart Mott Foundation, and the John D. and Catherine T. MacArthur Foundation.

Advisory Board

Mark Pinsky, Chair

Opportunity Finance Network
Philadelphia, Pennsylvania

Phillip Baldwin

Southern Bancorp
Arkadelphia, Arkansas

David Beck

Center for Community Self-Help and Affiliates
Durham, North Carolina

Dan Betancourt

Community First Fund
Lancaster, Pennsylvania

Ignacio Esteban

Florida Community Loan Fund
Orlando, Florida

Jane Henderson

Virginia Community Capital
Christiansburg, Virginia

Calvin Holmes

Chicago Community Loan Fund
Chicago, Illinois

Jim King

Federation of Appalachian Housing Enterprises, Inc.
Berea, Kentucky

Trinita Logue

IFF
Chicago, Illinois

Jeremy Nowak

The Reinvestment Fund
Philadelphia, Pennsylvania

Chuck Prince

Idaho Nevada CDFI
Pocatello, Idaho

Margo Weisz

PeopleFund
Austin, Texas

Editorial Staff

Mark Pinsky

President and CEO

Sandra Kerr

Executive Vice President, Policy

Cheryl Neas

Vice President, Policy

Dafina Williams

Junior Associate, Policy

Lina Page

Executive Vice President, Strategic Communications

Nick Burstein

Associate, Strategic Communications

Jeff Gelt

Associate, Strategic Communications