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The visits were made in Columbus, Ohio, where enforcement of a new Tobacco 21 law had not yet begun

Or, it might be that designated CDFIs tend to be the types of institutions that lend to lower-income borrowers, but that CDFI certification doesnt actually promote better lending behavior (i.e., the CDFI banks and credit unions would have originated those mortgages regardless of whether they had CDFI certification)

In 2022, the prevalence of smoking in the past 30 days in youth aged 15 to 19 years was 4.2, with a lower bound confidence interval of 3.4 and an upper bound confidence interval of 5.1