Center Making News

Center scholars and research are frequently cited in media reports and by public policymakers discussing trends and issues related to financial capital and its community impact.

February 4, 2013 | The Ladder
Event Summary: Low Down-Payment Mortgage Lending
Janneke Ratcliffe reports at a Center for American Progress event that the generational impact of wealth loss from the recession may be felt for years to come as young buyers struggle to come up with the funds for a down-payment without any familial support.

February 3, 2013 | Newsday
Mortgage rates and rents will rise in 2013
Janneke Ratcliffe says an increase in fees for homeowners with low down payments may not have significant impact on borrowers now because of extremely low mortgage rates, but that could change once rates rise.

January 12, 2012 | The News & Observer
Pursue those who caused meltdown
Roberto Quercia: "Once you look at the numbers, the evidence is just not there that the CRA caused the crisis."

November 18, 2012
FHA and enduring the housing crisis
Charlotte Observer

October 24, 2012
A Question of Value: Bringing Banks to the Unbanked
Knowledge@Wharton

October 22, 2012
A Bolder Vision for the Secondary Mortgage Market
Shelterforce

October 8, 2012
30 Issues: Big Housing
The Brian Lehrer Show

September 18, 2012
Being a Better Neighbor  A new study shows that homeownership could cause more civic engagement in middle- to low-income communities
Las Vegas Review-Journal

August 31, 2012
Qualified Residential Mortgages: Down Payment Rules Threaten Home Buyers-and the Economy
Center for Responsible Lending

August 21, 2012
Long-term homeownership does foster civic engagement
Greater Greater Washington

July 25, 2012
Congratulations to this month's Member Spotlight, UNC Center for Community Capital
Housing Matters (NCHC)

June 25, 2012
Mortgage modification meant higher monthly payment for Brick homeowner
Asbury Park Press

June 2012
Regaining Our Dream
Endeavors

June 19, 2012
The Housing Crisis and the Landscape of Affordable Housing
Shelterforce

June 12, 2012
FYI Research: Keeping House
University Gazette

June 1, 2012
FHFA Get in the Business of Restoring Home Opportunity
Rooflines The Shelfterforce blog

May 24, 2012
Why 20% Down Won't Help the Housing Mess
The Fiscal Times

May 2012
Keeping House
Endeavors

Apr. 24, 2012
Student Debt Crisis Fueling Obama Visit
chapelboro.com via 1360WCHL

Apr. 18, 2012
Fannie Mae Fix Said to Retain Some U.S. Mortgage Role
Bloomberg

Mar. 26, 2012
Fannie Mae, Freddie Mac Resistance to Principal Reduction Costs Taxpayers
The Huffington Post

Mar. 8, 2012
Weighing race in home loans
The Daily Record

Jan. 27, 2012
UNC Conducts Study on QRM Rule
MReport

Jan. 24, 2012
Hefty down payments not the answer to fixing mortgage mess
The Washington Post

Jan. 24, 2012
Big Downpayments could Bar Creditworthy Borrowers from Market, Study Finds
The New York Times

Jan. 19, 2012
Proposed Rules Could Limit Minorities' Access to Affordable Homes
Huffington Post

Jan. 19, 2012
Government-Mandated Down Payments Would Block Creditworthy Home Buyers
RealEstateRama

Winter 2011
A Blueprint for Responsible Homeownership
Shelterforce

Dec. 16, 2011
Turn Foreclosure Frustration into Action
CFED The Inclusive Economy

Dec. 6, 2011
UNC director says data supports Occupy Our Homes dismay
Housing Wire

Fall 2011
Regaining the Dream: How to Renew the Promise of Homeownership for America's Working Families
Mount Holyoke Alumnae Quarterly

November 17, 2011
Foreclosure crisis has long way to go, report says
Charlotte Observer (NC)

November 4, 2011
Big Difference, Depending On Which Loan
National Mortgage News

Oct., 2011

Regaining the Dream: Can low income families still afford a home? p.46
Housing Wire

September 23, 2011 
Groups Say Low-Mod Homeowner Programs Work if Lenders Stick to Safe Mortgages, Underwrite with Care
Inside Mortgage Finance 

 

September 11, 2011

Case Studies in the right way to make home loans
The News & Observer (NC)

August 24, 2011
UNC researchers' book reveals lessons learned from foreclosure crisis, guides to recovery
The (Durham, N.C.) Herald Sun

July 14, 2011
Fannie Backwards 
The American Prospect 

May 27, 2011

A Needless Housing Collapse 
The American Prospect 

May 17, 2011

Bringing the Community Back into Community Development Research & Policy 
New America Foundation - The Ladder 

 

Apr. 27, 2011

Forsyth on track for another record year of foreclosures
Winston Salem Journal (NC)

 

Feb. 25, 2011

The pros and cons of home downpayment assistance
Marketplace (NPR)

 

Feb. 22, 2011

Housing Finance
The News & Observer (NC)

 

Jan. 30, 2011

Eyes on Health Care Reform: The Bankruptcy Link
The News & Observer (NC)

Jan. 27, 2011

Group Convened by Center for American Progress Unveils Housing Finance Fix
Housing Wire

Sept. 7, 2010

Rescue from foreclosure? Frustration, anger grow
Seattle Times

May 30, 2010

Foreclosures rise, trap residents and investors
News & Observer (N.C.)

May 18, 2010

Preemption Effect
preemption watch  

May 13, 2010

Keeping Consumer Cops on the Beat
Politico

Apr. 29, 2010

Preventing a Future Foreclosure Crisis
The Ladder (New America Foundation)

Apr. 16, 2010

Strong state controls critical to strengthening the U.S. financial system
The Hill (Washington, D.C.)
 

Apr. 12, 2010

Foreclosure Program Falls Short for Jobless
Charlotte (N.C.) News & Observer

March 25, 2010

To strengthen U.S. financial system, give states more power
Charlotte (N.C.) News & Observer

March 23, 2010

Exempting national banks from state consumer protection laws caused more foreclosures
College of Arts & Sciences
   

March 23, 2010

Tough State Laws Help Protect Consumers, According to Two Recent Studies
HuffingtonPost

March 23, 2010

Columbia Law School study finds: Federal action resulted in more defaults and riskier lending
National Mortgage Professional

March 23, 2010

Center Studies Federal Exemption From Anti-Predatory Lending Laws
Mortgage Orb

March 18, 2010

Mortgage-modification program has major flaws, Part 2 in a two-part series
MarketWatch

March 3, 2010

Roberto Quercia calls for common sense underwriting, says CRA did not cause the foreclosure crisis.  See: 'Damaged credit a dilemma for lenders'
Inman News

Feb. 22, 2010

'The Foreclosure Crisis Reshapes America'
NPR

Feb. 18, 2010

'Families suffer after foreclosures'
The Latin Americanist

Feb. 18, 2010

'More than 1 Million Hispanics Face Foreclosure'
The Americano

Feb. 17, 2010

'Report details human cost of foreclosure on Latino families'
Santa Cruz Sentinel

Feb. 17, 2010

'Tresvino: l.3 million Latino families projected to lose their homes to foreclosure'
NUESTRAVOICE

Feb. 16, 2010

'l.3 million Latino families projected to lose their homes to foreclosure'
Latina Lista

Feb. 16, 2010

'Study Says Foreclosures Affect Spousal and Parental Relations
Huliq

Feb. 15, 2010

'Countrywide settlement case will refinance Washington's foreclosure prevention efforts'
The National Mortgage Professional

 

Feb. 2, 2010 
The Community Reinvestment Act: Outstanding and Needs to Improve
West China Finance
(Chinese translation)

 

Feb. 1, 2010
"Is Foreclosure Prevention a Good Idea?"
Charlotte Observer

Jan. 28, 2010

Prime rate foreclosures surge in NC
Carrboro (N.C.) Citizen

Jan. 21, 2010
'State regulators find flaws in federal foreclosure-help program'
The Washington Post  

Jan. 20, 2010

'No Plans for Mortgage-Principal Reductions'
The Wall Street Journal

Jan. 20, 2010

'State Regulators Warn of Failing Foreclosure Prevention Efforts'
The Huffington Post

Jan. 6, 2010
'Men Who Jump the Picket Fence'
The New York Times

Jan. 6, 2010

'Time to Put More North Carolinians on Prosperity Grid'
The Chapel Hill News

Dec. 1, 2009

'How can you regain consumer trust?'
Mortgage Banking

Nov. 23, 2009

'In Pursuit of a Responsible Homeownership Policy'
Shelterforce

Nov. 2, 2009

CRE and the CRA
The New York Times

Oct. 16, 2009

'States Need Bigger Role in Halting Predatory Lending'
b-net

Oct. 8, 2009

'Anti-Predatory Lending Laws Linked to Fewer Foreclosures, Researchers Say'
DSNews.com

Oct. 7, 2009

Securitization of Assets: Problems and Solutions
U.S. Senate Committee on Banking, Housing, and Urban Affairs testimony by University of Connecticut Law School professor Patricia McCoy citing center study

Oct. 7, 2009

'Study: Bush Administration Blocked Efforts to Prevent Housing Crisis'
The Osterley Times'

Oct. 7, 2009

'Study: Bush Administration Blocked Attempts to Prevent Mortgage Crisis'
Crooks and Liars

Oct. 7, 2009

'New Study: Bush Blocked Efforts to Stop Predatory Lending'
Air America Media 

Oct. 7, 2009

'UNC Study: Bush administration blocked efforts to control housing crisis'
Examiner  

Oct. 7, 2009
'STUDY: Federal pre-emption of State Anti-Predatory Lending Laws Led to More Mortgage Defaults'
The Big Picture

Oct. 6, 2009

'Study: Bush Administration blocked efforts to prevent housing crisis'
Rogue Valley Forum

Oct. 6, 2009

"Study: Bush Administration blocked efforts to prevent housing crisis'
The Daily Kos

Oct. 6, 2009

'Study: Bush Administration blocked efforts to prevent housing crisis'
The Raw Story

Oct. 6, 2009

'More Proof that Alan Greenspan was Wrong: Anti-Predatory Laws Slowed Foreclosures'
The Washington Independent

Oct. 5, 2009

'Anti-Predatory Lending Laws Lead to Fewer Foreclosures Says Study Funded by National AG's Program'
Columbia Law School

Sept. 16, 2009

Proposals to Enhance the Community Reinvestment Act
U.S. House of Representatives Financial Services Committee testimony by Michael A. Stegman citing center research

Sept. 8, 2009

'Exposing the Myth of Irrational Exuberance'
The Huffington Post

Sept. 1, 2009

'Capital Markets with a conscience'
Economist

Sept. 1, 2009

Read the Investment Review article, "Increasing Access to Capital: Could Better Measurement of Social and Environmental Outcomes Entice More Institutional Investment Capital into Underserved Communities?"

Aug. 26, 2009

Interagency Community Affairs Conference
Comptroller of the Currency John C. Dugan remarks citing center research

Fall 2009

The Bold and the Bankable: TeleNov.ela and Financial Education
Communities Banking, Vol. 20, No. 4, pp. 26-28

 

Aug. 3, 2009

It Ain't Necessarily So
Zigas Blog

July 30, 2009

Rehabilitation and Re-entry
The State of Things

Apr. 17, 2009

Treasury Chairman Ben Bernanke cites center study shows that the growing complexities of mortgage products may have contributed to rising default numbers and poor consumer choices [PDF]

Apr. 16, 2009

Shelter or Burden? The social benefits of homeownership look more modest than they did and the economic costs much higher
The Economist

Apr. 03, 2009

Homeowner-Aid Plan Caught in Second-Loan Spat
The Wall Street Journal

March 19, 2009

Examining the Making Home Affordable Plan
U.S. House Subcommittee on Housing and Community Opportunity testimony by Center Director Roberto G. Quercia

March 16, 2009

Senate Delays Mortgage Bill That Study Finds Could 'Significantly Lower The Rate Of Defaults'
The Wonk Room

 

March 16, 2009

Loan Modifications Can Reduce Foreclosures, Study Says
ConsumerAffairs.com

Dec. 22, 2008

UNC Center for Community Capital study blames brokers not borrowers
Industry Intelligence

Dec. 17, 2008

Responsible Homeownership: Protecting Homeowners Today, Guiding Policymakers Tomorrow
Policymakers and researchers meet at the New American Foundation to discuss the foreclosure crisis. 

Dec. 16, 2008

UNC Professor to speak on housing crisis
WRAL TV

Nov. 19, 2008

Comptroller Dugan cites center study shows CRA is not responsible for subprime lending abuses [PDF]

Nov. 9, 2008

Lending Leverage Community Reinvestment Act may gain new prominence
Market Watch

Oct. 31, 2008

Arizona and Ohio Ballot Measures May Curtail Reasonable Payday Loan Regulations
Sargent Shriver Center on Poverty Law

Oct. 27, 20088

Essay #2 Prop 200 Payday Lending
Jan. Marty

Oct. 19, 2008

CRA deserves kudos, not blame for its impact on the American Dream
IndyStar.com

Oct. 17, 2008

UNC Center for Community Capital study shows mortgage types, not borrowers, at heart of housing crisis
NC Policy Watch

Oct. 17, 2008

Lenders caused the crisis
Washington Post

Oct. 16, 2008

Home Mortgage Finance Industry, Panels 1 & 2  
CSPAN

Oct. 16, 2008

Another Street Where Credit Needs to Keep Flowing
Washington Post

Oct. 15, 2008

Misplaced Blame
The New York Times

Oct. 15, 2008

UNC-CH study dissects mortgage mess
The Raleigh News & Observer

Oct. 15, 2008

Mainstream Comes on Board-CRA Didn't Cause the Current Mess
The Ladder

Oct. 15, 2008

Study Blames lenders, Not Borrowers for Mortgage Mess
ConsumerAffairs.com

Oct. 15, 2008

Doling out misinformation
N.C. Policy Watch

Oct. 15, 2008

In Defense of CRA
West Bronx Blog

Oct. 10, 2008

Subprime loans were a world of their own
The Raleigh News & Observer

Oct. 9, 2008

How To Keep Americans In Their Homes
Forbes

Sept. 15, 2008

Fannie, Freddie didn't start mortgage mess
The Raleigh News & Observer

Aug. 5, 2008

Homeownership in disadvantaged neighborhoods linked to increased political participation
American Sociological Association

Aug. 1, 2008

And now, a fee to pay your bill
MSN Money

July, 2008

North Carolina Must Be Stopped
Predatory Lending Association

May 12, 2008
Borrowers Who Complete Homeownership Education Programs Make Better Refinancing Dec.isions
Blackwell Publishing

Spring 2008

Working Families Don't Miss Payday Lending
Carolina Arts & Sciences, pg. 53

March 5, 2008
Banks Willing to Rework Mortgages
Forbes.com

Feb. 5, 2008

Payday loans only delay trouble
Caveat.Emptor

Feb. 3, 2008

Wrong Number
TPM Cafe

Jan. 11, 2008

Big Nanny Puts Her Foot Down - No More Payday Loans!
CarolinaJournal ONLINE

Jan. 9, 2008

In Defense of Predatory Lending?
The New York Times

Dec. 10, 2007

Study: Ban on Payday Loans More of a Burden
Chicago Tribune

Dec. 10, 2007

Researcher Critiques Payday Lending Ban
Associated Press

Dec. 6, 2007

New Staff Study fromFederal Reserve Bank of New York Finds Consumers Suffer When....
Reuters

Dec. 4, 2007

Denying Consumers Access to Payday Loans Leads to Costlier Credit Options and Greater....
Reuters

November 2007

UNC Study Finds Working Families Don't Miss Payday Lending
College of Arts & Sciences, University of North Carolina at Chapel Hill

Nov. 14, 2007

Payday Lending, Revisited
The New York Times

Nov. 13, 2007

N.C. Commissioner of Banks and UNC Study Finds Working Families Do Not Miss Payday Lending
North Carolina Office of the Commissioner of Banks news release

Nov. 5, 2007

These Tough Lending Laws Could Travel
BusinessWeek