Impact
The Banking Law That Still Shapes Poor Neighborhoods
The Community Reinvestment Act turned bank-merger approvals into leverage for local lending, and the 2023 rewrite plus current data show both its reach and its limits.
Jay Douglas
Impact
Assessment of what corporate giving, sustainability pledges and impact capital accomplish, judged by independent evaluation rather than annual report narrative. Pieces distinguish outputs from outcomes and state what was never measured. Intended for foundation staff, impact investors, sustainability teams and the auditors reviewing their claims.
Evaluation of philanthropy, sustainability pledges and impact capital against independent evidence, separating changed outcomes from reported activity.
Impact
The Jobs Were Promised. The Clawbacks Weren't.
States spend billions a year on job-creation tax incentives, and the audits that check delivery keep documenting a large gap between pledged and produced jobs.
Jay Douglas
Impact
Apprenticeships Grew. The Payoff Followed.
Registered apprenticeships expanded past 600,000 active participants, and the earnings research documents a credential that outperforms most degrees at a fraction of the debt.
Jay Douglas
Impact
The Counties Where Clean Energy Became the Employer
Battery plants, solar factories, and wind farms have moved billions into rural counties. The documented record shows real jobs with real caveats about who gets them.
Jay Douglas
Impact
Corporate Climate Pledges Meet Their Deadlines
Hundreds of Fortune 500 companies promised emission cuts by 2025 and 2030. The scorecards now published against those pledges show a widening gap between announcement and delivery.
Jay Douglas