Projects

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Consumer Financial Services

proj_ProsperityGrid

Asset-building in North Carolina
Consumer Financial Services
Research funded by Mary Reynolds Babcock Foundation, Annie E. Casey Foundation, C.S. Mott Foundation, N.C. Council on Developmental Disabilities, CFED

The center provides research and analysis support for the North Carolina Assets Alliance, a statewide coalition of public, private and nonprofit organizations focused on expanding economic opportunity and building a more stable financial future for all North Carolinians through effective asset-building strategies.

Annie E Casey Foundation logo

Manejo de Efectivo Impact Evaluation: Building Savings among Underserved Latinos
Consumer Financial Services
Research funded by Annie E. Casey Foundation

The center conducts research on an initiative designed to help under-served Latino consumers build savings and creditworthiness.

SaveNYC04-13

$aveNYC Accounts: Asset-building for Low-income Populations
Consumer Financial Services
Research funded by Ford Foundation

Researchers explore results and policy implications of a New York City asset-building program, $aveNYC, that uses tax refunds and a savings match to encourage low-income taxpayers to start saving and keep it up.

proj_PiggyMojo

Piggymojo Program Evaluation
Consumer Financial Services
Research funded by Center for Financial Services Innovation

Center researchers study whether "impulse savings" – transferring money from a transaction account to a savings account via text message – is an effective way for under-banked people to build goal-oriented savings.

LatinoCreditUnion

Latino Lending: Analysis of the Consumer Loan Portfolio of North Carolina's Cooperativa Communitaria Latino de Crédito
Consumer Financial Services
Research funded by Freddie Mac

Center researchers analyze the consumer loan portfolio of the Latino Community Credit Union to better understand how to serve the financial needs of banked and unbanked Latinos in North Carolina.

NCLR logo

Maryland New Americans Loan Program Evaluation
Consumer Financial Services
Research funded by National Council of La Raza

The center evaluated the impact of a small dollar loan program aimed at addressing the critical barrier of cost for immigrants working to become U.S. citizens.

proj_RacialGenderGaps

Reducing Racial Wealth Disparities in North Carolina
Consumer Financial Services
Research funded by Z. Smith Reynolds Foundation

Center researchers worked with the Insight Center for Community Economic Development to examine the racial and gender wealth gaps in North Carolina and promising practices in the asset-building field that can reduce them.

proj_NCConsumerFinance

Report on the Consumer Finance Industry in North Carolina
Consumer Financial Services
Research funded by N.C. Commissioner of Banks

The center evaluated North Carolina's consumer finance industry to recommend how state policymakers can strike the right balance between industry and consumer interests in the provision of retail consumer installment lending.

Increasing.Inequality

Debt and Financial Security in American Households
Consumer Financial Services
Research funded by Ford Foundation

The center examines American indebtedness during 1989-2004 to determine the relationship between debt and economic inequality.

All In Report Cover

All In: Building the Path to Global Prosperity through Financial Capability and Inclusion
Consumer Financial Services, Asset-Building & Savings
Research funded by JPMorgan Chase & Co.

Center researchers team with JPMorgan Chase & Co. on a white paper that examines why financial insecurity is a problem not limited to individual households, but also has consequences for employers, taxpayers and the economy.

PocketChange

Pocket Change
Consumer Financial Services, Financial Capability & Education, Education & Economic Mobility

The center pilots a new financial capability program, Pocket Change, designed to help low-income youth in North Carolina develop financial socialization skills that enable them to become financially secure adults.

JP Morgan Chase logo

Research and Evaluation of Emerging Practice in Affordable Housing and Financial Capability
Affordable Homeownership, Homeownership Counseling, Asset-Building & Savings, Consumer Debt & Credit, Financial Capability & Education, Financial Services Industry
Research funded by JPMorgan Chase

The center will create an “Opportunity Index” and develop new models for increasing financial capability and innovative technologies to deliver financial services.

NTFP logo

PayGoal Program Evaluation
Consumer Financial Services, Asset-Building & Savings, Financial Capability & Education, Financial Services Industry
Research funded by Center for Financial Services Innovation

The UNC Center for Community Capital partnered with Neighborhood Trust Financial Partners (NTFP), with funding from the Center for Financial Services innovation, to conduct an evaluation of PayGoal, a payroll allocation and communication tool bundled with a prepaid card. Researchers examined whether the card helped low-wage workers in the study manage financial volatility and improve their money management.

CFSI logo

Small Dollar Credit Programs Evaluation
Consumer Financial Services, Asset-Building & Savings, Consumer Debt & Credit
Research funded by Center for Financial Services Innovation

The center collaborated with the Center for Financial Services Innovation on a project to analyze the impact of innovative small dollar credit demonstration programs offered by four financial institutions.

Bridge2Success

Increasing College Retention and Educational Attainment in North Carolina
Consumer Financial Services, Education & Economic Mobility
Research funded by Lumina Foundation for Education

The center collaborated with six N.C. minority-serving educational institutions to build successful models for enhancing student retention and graduation rates, particularly among males of color.

proj_Reap

Improving Financial Literacy for Minority College Students
Consumer Financial Services, Education & Economic Mobility
Research funded by Jessie Ball duPont Foundation

Researchers assess the feasibility of establishing college campus programs to improve students' financial knowledge and reduce dropouts due to financial hardships.

HUD logo

Pre-Purchase Homeownership Counseling Demonstration and Impact Evaluation
Mortgage Finance, Homeownership Counseling, Financial Capability & Education
Research funded by Abt Associates and the U.S. Department of Housing and Urban Development

Center researchers are participating in a study to measure the impact of pre-purchase housing counseling on a range of outcomes for first-time homebuyers.

Living Cities

Expanded Income and Educational Attainment in Ohio
Consumer Financial Services, Education & Economic Mobility
Research funded by Living Cities

The center worked with Living Cities, a philanthropic collaborative, to convene policymakers, funders and nonprofit organizations and create policy agendas that enhance income and support better college preparation and success.

proj_Preemption

Predatory Lending and Preemption Legislation
Consumer Financial Services, Mortgage Finance
Research funded by National State Attorneys General Program

Two companion reports examine the effect of the federal government's preemption of state anti-predatory lending legislation for national banks in 2004.


The UNC Center for Community Capital conducts research and policy analysis on ways to make financial services work better for more people and communities.

 

© 2017 UNC Center for Community Capital
1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 • communitycapital@unc.edu