News & Media

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September 10, 2013
Ratcliffe leads American Mortgage Conference panel discussion on housing finance redesign

Executive Director Janneke Ratcliffe leads a panel discussion of national experts Wednesday on critical issues in the redesign of the nation’s housing finance system.


May 14, 2013
Low-income taxpayers choose saving over spending when offered an incentive

Saving is a critical first step on the path to financial security. But many low-income families find it challenging to choose saving for the future over meeting pressing spending needs today. Results from a study by the University of North Carolina at Chapel Hill of one asset-building program offer insights on how to encourage low-income taxpayers to start saving and keep it up.


May 12, 2013
UNC Center for Community Capital researcher Kevin A. Park receives UNC Impact Award

UNC Center for Community Capital research assistant and doctoral student Kevin A. Park has received a 2013 Impact Award from the University of North Carolina at Chapel Hill’s Graduate School.

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March 19, 2013
Ratcliffe proposes housing finance reforms to Senate banking committee

A stable mix of public and privately administered credit insurance is needed to ensure the future of housing and economic opportunity, UNC Center for Community Capital executive director Janneke Ratcliffe told members of the Senate banking committee today.


March 19, 2013
Owners of energy-efficient homes are less likely to default on mortgages

A new study shows the risk of mortgage default is one-third lower for energy-efficient, ENERGY STAR-rated homes – a factor lenders and Congress should consider when making mortgage loans and policy.

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February 6, 2013
Ratcliffe to Realtors: Tight lending standards excluding many potential homeowners

Washington, D.C. – Research confirms that many low-income homeowners can become successful homeowners when given the right mortgage products, UNC Center for Community Capital Executive Director Janneke Ratcliffe told the National Association of Realtors (NAR) Feb. 4. Tight lending standards are excluding many potential home buyers from the market needlessly, she said. Ratcliffe was among […]

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February 4, 2013
Ratcliffe discusses what works in low-income mortgage lending and its benefits

UNC Center for Community Capital Executive Director Janneke Ratcliffe discussed what works in affordable home lending as well as the benefits it yields for communities Feb. 4 at Habitat on the Hill, the annual legislative conference hosted by Habitat for Humanity International in Washington, D.C.

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January 28, 2013
Ratcliffe speaks on safe low down-payment mortgage lending

Washington, D.C. – UNC Center for Community Capital Executive Director Janneke Ratcliffe will join a national panel of experts Feb. 1 discussing how to help new homebuyers enter the housing market. “Low Down-Payment Mortgage Lending: What is the Safe Path Forward?” hosted by the Center for American Progress in Washington, D.C. will also feature representatives […]


January 21, 2013
Gorham speaks on national tax-time savings initiatives

UNC Center for Community Capital senior research associated Lucy S.  Gorham will speak on tax-time savings initiatives under way across the United  States at a national forum Friday in Durham, N.C. Reinvestment Partners will host the Forum on Savings Initiatives in Tax Season following a press conference announcing the Consumer Financial Protection Bureau’s new Ready, […]

Debunking the CRA Myth - Again

January 16, 2013
UNC report: Still no evidence to discredit CRA

A report released today by the UNC Center for Community Capital details flaws in the methodology and conclusions of a new paper seeking to discredit the Community Reinvestment Act, enacted in 1977 to encourage regulated financial institutions to meet the credit needs of their communities in a safe and sound manner.

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


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