Case Study
Active Learning vs. Passive Financial Literacy Modules
Financial literacy programs should be judged by whether students practice decisions, build habits, and transfer judgment, not only whether they finish a lesson or pass a short quiz.
Success by JazE Edutech / Case Studies and Industry Reports
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Case Studies and Industry Reports
Non-fabricated reports that use public sources, model scenarios, and documented product history to explain education, workforce, sponsorship, and community-impact topics.
Case Study
Is Making a Minimum Payment Enough? The $2,500 Answer
Minimum payments keep an account current, but in this modeled $2,500 scenario they stretch payoff past a decade and add roughly $2,200 of extra interest. Run both tracks and watch the gap widen month by month.
Case Study
Should I Pay Off Debt or Save First? Pricing the Resilience Premium
Two identical households — $3,000 card balance, $0 savings — take opposite strategies for 24 months. A $900 car repair in month nine reveals what each order really costs in interest, time, and resilience.
Case Study
What Counts as a Qualified CRA Activity? Test-by-Test Anatomy
A model blueprint that dissects one illustrative bank-school financial education partnership against the CRA qualification tests — with an interactive Qualification Anatomy Lab that toggles the specimen's components on and off, and a five-factor scorecard you run on your own program.
Case Study
What Is a Community Reinvestment Program? One Program's Full Lifecycle, From Design to Reporting
A community reinvestment program turns the CRA's mission into a running portfolio of loans, investments, services, and partnerships. This model report follows one program from design to reporting so banks and program administrators can see the whole lifecycle at work.
Case Study
What Is Overdraft Protection? The $4 Coffee Replay: Three Endings, One Verdict
One $4 coffee on a $12 displayed balance, replayed three ways: a free decline, a $10 linked transfer, and a $35 overdraft with a repayment clock. Every fee, deadline, and consequence is itemized before the classroom verdict on whether 'protection' actually protects.
Case Study
What Is Debt Consolidation? Two Ledgers, Three Endings, One $9,300 Replay
Follow $9,300 of card debt through the same three years twice: once on drifting minimums, once inside a single fixed-rate loan. Then meet the third ending — the cleared cards that get swiped again.
Case Study
Is Cryptocurrency a Good Investment? One $300 Split Through a Bull Run, a Crash, and a Recovery
One $300 decision, two wallets, five years: watch a hypothetical coin and a boring index fund ride the same bull run, crash, and recovery — then decide where crypto belongs in a portfolio.
Case Study
How to Negotiate a Salary: A $2,000 Counter and the 40-Year Gap It Opens
One $52,000 offer, replayed two ways: the graduate who accepts, and the graduate who counters once with market data. This case study tracks the $2,000 gap through annual raises, employer 401(k) match, and a 40-year career to price one rehearsed sentence.
Case Study
What Is a Line of Credit? The $5,000 Draw, Replayed Three Ways
One $5,000 emergency draw, replayed three ways: the interest-only minimum trap, a disciplined 12-month payoff, and a fixed-rate personal loan counterfactual — so you can see exactly when a line of credit beats an installment loan, and when it quietly loses.
Case Study
Do Banks Provide Grants to Community Organizations? One $150,000 Grant, From RFP to Exam File
Yes, banks give grants to community organizations — and the best-documented ones do double duty as community development investments. This report traces one model $150,000 grant from RFP to exam file, dollar by dollar.
Case Study
What Are Examples of CRA Activities in Your Neighborhood? A Five-Stop Walking Tour Through One Model Census Tract
Walk one model census tract and watch five CRA activities unfold on a single street — from the branch on the corner to the classroom down the block — with every stop mapped to the CRA test that considers it.
Case Study
How Do Banks Help Underserved Rural Areas Under CRA? One Persistent-Poverty County, Three Anchors, One Exam Cycle
One model bank, one persistent-poverty county, three financed anchors, and the exam-file trail a rural CRA cycle actually requires — replayed stop by stop.
Case Study
What Technical Assistance Do Banks Provide to Nonprofits? One Year, Three Deliverables, One Exam File
How one regional bank scoped, delivered, and documented a twelve-month technical assistance engagement with a community nonprofit — three deliverables, 410 donated staff hours, and every CRA ledger entry along the way. A model replay for bank CRA teams and nonprofit administrators.
Case Study
What Happens If a Bank Gets a Needs to Improve Rating?
One hypothetical regional bank, one Needs to Improve rating, twenty-four months of fallout: a stalled merger, board-level scrutiny, and the quarterly plan that rebuilds its CRA record before the next exam.
Case Study
What Is the Impact of the CRA on Bank Mergers and Acquisitions? One Deal, Five Approval Checkpoints
The CRA gives regulators, and the public, real leverage over bank mergers. Follow one model deal through the five checkpoints where ratings, comment letters, and community benefit commitments decide the outcome.
Case Study
How Does the CRA Help LMI Individuals? One Household's Year, Four Priced Stops
A source-backed model replay follows one composite moderate-income family through twelve months and four CRA touchpoints — mortgage, classroom, childcare loan, housing development — pricing each stop on the household ledger.
Case Study
How Do Banks Support Workforce Development Through CRA? Four Design Flips, One Model Partnership
A model bank-workforce-board partnership shows how job training and financial literacy for LMI adults can support workforce development under the CRA — and how four design flips decide whether it qualifies.
Case Study
Are LIHTC Projects CRA-Eligible? One $4 Million Deal Through the Replay Console
One hypothetical LIHTC investment, replayed through every CRA checkpoint — tract mapping, syndication, the equity commitment, and the exam file — to show exactly where eligibility is earned and documented.
Case Study
How Does the CRA Address Banking Deserts? One Tract's Last Branch, Replayed
A reverse-timeline model replay of one census tract losing its last bank branch — and three CRA-scored responses, from restored local service to CDFI partnerships and small-dollar lending.
Case Study
How Did the 2023 CRA Final Rule Change Assessment Areas? One Bank's Map, Before and After
One regional bank's CRA map, before and after the 2023 final rule: three branch-based assessment areas carry over as facility-based areas, and a 100-loan county appears as a new retail lending assessment area. A model delta, grounded in public rule text.
Case Study
CRA vs. the Fair Housing Act: Two Laws, One Mortgage File, Zero Double-Counting
One mixed-income mortgage program, replayed through two statutory lenses: the CRA's affirmative scorecard and the Fair Housing Act's anti-discrimination floor — with a side-by-side exam-file matrix that shows where the laws overlap, where they diverge, and why a single activity never gets documented twice.
Case Study
How Do I Find CRA-Funded Rental Housing? One Family's Lease-Up, Replayed on Two Tracks
CRA-funded apartments rarely announce themselves — they surface as income-restricted units inside bank-financed developments. Follow one model family through waiting lists, income certification, and lease-up while the financing bank's exam file runs in parallel.
Case Study
Do Community Development Loans Include Green Energy Projects? A $3.8 Million Solar Deal Through the Qualification Gates
One model solar financing, two verdicts. See exactly where renewable energy lending earns community development credit under the CRA — and where it walks away empty-handed.
Case Study
How to Retire Early: One Saver's Journey Replayed at 10%, 20% & 30% Savings Rates
One model saver, three savings rates, and three very different freedom dates. Watch the 4% rule turn 10%, 20%, and 30% savings into ages 76, 62, and 53 — then price the two traps and find each clock's coast-FI crossover.
Case Study
What Happens to Your Money If Your Bank Fails? The 120-Day FDIC Replay
A Friday-night bank failure replays across 120 days for two depositors — a student holding $2,300 and a family bakery holding $450,000 — showing exactly where the $250,000 FDIC limit catches the money and where it lets go.
Case Study
What Is Buy Now, Pay Later and What Are the Hidden Risks? Three Switches That Price a $240 Checkout
Four interest-free payments sound free until a balance runs short or a return goes sideways. Flip three checkout switches on a $240 order and price every hidden cost before students tap the button.
Case Study
What Does It Mean to Be Unbanked? The Cash-Only Month That Costs About $1,000 a Year
Follow one worker's cash-only month — check cashing, money orders, a prepaid card, and a declined application — then replay it with a low-cost account to price the annual unbanked tax.
Case Study
How Does Financial Literacy Education Support a Bank's ESG Goals? One Sponsorship, Three Disclosure Drawers
A model high-school financial literacy sponsorship, replayed stop by stop — and a routing guide showing where each element lands in the ESG S pillar, social-impact disclosures, and the CRA story.