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Community Development Financing in Rural Pennsylvania: Speakers' Presentations

Some of the speakers' presentations from the conference on "Community Development Financing in Rural Pennsylvania" are provided below in PDF format.

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  • Harrisburg (October 26)
  • Beaver Falls (November 14)
  • DuBois (November 16)

HARRISBURG: OCTOBER 26, 2006

Recent CRA Amendments Pertaining to Distressed and Underserved Rural Areas and Intermediate Small Banks
(PDF, 271 KB, 26 pages)
Elizabeth Rozsa, Senior Examiner, Department of Supervision, Regulation and Credit, Federal Reserve Bank of Philadelphia

Recent Changes to the Neighborhood Assistance Program – Partnership Opportunities for Banks and Nonprofits
(PDF, 403 KB, 20 pages)
James Etta Reed, Director, Center for Community Empowerment, Pennsylvania Department for Community and Economic Development

The New Keystone Renovate and Repair Loan Program – Partnership Opportunities for Banks and Nonprofits
(PDF, 82 KB, 11 pages)
Kate Newton, Director of Homeownership Programs, Pennsylvania Housing Finance Agency

Lenders and Borrowers Share Their Experience and Insights: Analysis of Rural/Small Town Financing Partnerships

Henner Senior Apartments, Womelsdorf, Berks County
(PDF, 918 KB, 26 pages)
David Loughery, Vice President and Director of Fund Development, Housing Development Corporation (HDC), Lancaster, PA; Ed Kaminski, Director of Acquisitions and New Business, HDC; Frank Wetherhold, Housing Program Director, Pennsylvania, USDA Rural Development, Harrisburg, PA

Bedford Street Antiques, Carlisle, Cumberland County
(PDF, 3.6 MB, 19 pages)
Christopher Gulotta, Executive Director, Housing and Redevelopment Authority of Cumberland County, Carlisle, PA; Jeff Gayman, Vice President, Commercial Lending, Orrstown Bank, Carlisle, PA; Mary Roell, Owner, Bedford Street Antiques, Carlisle, PA

BEAVER FALLS: NOVEMBER 14, 2006
DUBOIS: NOVEMBER 16, 2006

Recent CRA Amendments Pertaining to Distressed and Underserved Rural Areas and Intermediate Small Banks
(PDF, 378 KB, 35 pages)
Tony Grant, Banking Supervisor
Supervision & Regulation Department
Federal Reserve Bank of Cleveland

Map of Pennsylvania Rural and/or Distressed Tracts

Definition of Community Development (PDF, 14 KB, 2 pages)

Go Zone (PDF, 94 KB, 11 pages)

Interagency Panel: Questions & Answers (PDF, 33 KB, 6 pages)

Federal Financial Institutions Examination Council (FFIEC): Questions & Answers (PDF, 273 KB, 35 pages)

Partnership Opportunities

Neighborhood Partnership Program (PDF, 403 KB, 20 pages)
James Etta Reed, Director
Center for Community Empowerment
Pennsylvania Department of Community & Economic Development (DCED)

Renovate and Repair Program (PDF, 82 KB, 11 pages)
Kate Newton, Director of Homeownership Programs
Pennsylvania Housing Finance Agency (PHFA)

Lenders and Borrowers Share Their Experience and Insights: Analysis of Rural/Small Town Financing Partnerships

Scattered-Site 50-Unit Infill Housing Development in Uniontown, PA (PDF, 5.7 MB, 44 pages)
Jim Stark, Executive Director, Fayette County Community Action Agency; Art Stoltzfus, National Equity Fund
(presented at Beaver Falls meeting)

Multi-Phase Affordable Housing Development in Midland, PA (PDF, 535 KB, 14 pages)
Terri V. Davis, Assistant Vice President and Manager, Performance Analysis, Sky Bank Community Development Department, Beaver, PA; Rev. Kenneth G. Crumb, President and CEO, Life and Liberty Inc., Ambridge, PA
(presented at Beaver Falls meeting)

Uniontown Family Homes (PDF, 5.2 MB, 35 pages)
Rich Dieter, Consultant,
Dieter Associates
(presented at DuBois meeting)

The Eagle Hotel in Towanda, PA and Other Trehab-Initiated Projects (PDF, 2.6 MB, 35 pages)
Overview provided by Joseph Yarzebinski, Program Director,
Rural Pennsylvania Initiative, Rural LISC
Powerpoint provided by Dennis Phelps, Executive Director, The Trehab Center
(presented at DuBois meeting)

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