Publications
The center's research publications are listed by these topics and available for downloadfree-of-charge.
-
Mortgage Finance
Consumer Financial Services
Community Development Finance
Mortgage Finance
Research Reports
Credit and Collateral: Rising Denial Rates on Home Purchase Mortgage Applications, 2001-2011
Kevin A. Park
May 2013
Home Energy Efficiency and Mortgage Risks
Nikhil Kaza, Roberto G. Quercia and Chao Yue Tian
March 19, 2013
Affordable Homeownership: The Incidence and Effect of Downpayment Assistance
Allison Freeman and Jeffrey J. Harden
February 2013
The User Cost of Low-income Homeownership
Sarah F. Riley, HongYu Ru, Qing Feng
January 2013
Forthcoming in Journal of Regional Analysis and Policy
Debunking the CRA Myth – Again
Carolina Reid with Ellen Seidman, Mark Willis, Lei Ding, Josh Silver, Janneke Ratcliffe
January 2013
Sustaining and Expanding the Market: The Public Purpose of the Federal Housing Administration
Roberto G. Quercia & Kevin A. Park
December 2012
Strategic Default Behavior and Attitudes among Low-income Homeowners
Sarah F. Riley
November 2012
Homeownership & Civic Engagement in Low-Income Urban
Neighborhoods: A Longitudinal Analysis
Kim Manturuk, Mark Lindblad, & Roberto Quercia
Urban
Affairs Review 2012 48: 731
August 17, 2012
Setting the Record Straight on Affordable Homeownership (Working Paper)
Allison Freeman and Janneke Ratcliffe
May 2012
Setting
the Record Straight on Affordable Homeownership (Policy Brief)
Janneke Ratcliffe
May 22, 2012
Community-based
Interventions for Foreclosure Prevention & Mitigation
May 2012
Differential
Impacts of Structural and Cyclical Unemployment on Mortgage Default
and Prepayment
March 2012
Servicer
& Spatial Heterogeneity of Loss Mitigation Practices in Soft
Housing Markets
March 2, 2012
CRA
Lending in a Changing Context: Evidence of Interaction with FHA and
Subprime Originations
February 12, 2012
Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages
January
2012
RESEARCH REPORT
Lost Ground, 2011: Disparities in Mortgage Lending & Foreclosures [PDF]
Debbie Gruenstein Bocian, Wei Li, Carolina Reid, Roberto G. Quercia
Prepared with the Center for Responsible Lending
November 2011
Homeownership,
Neighborhood Characteristics, and Children's Positive Behaviors
Among Low- and Moderate-Income Households
September 2011
Land use regulations and the returns to low-income homeownership
Sarah F. Riley
Annals of Regional Science
May 2011
Mortgage Default Risk and Local Unemployment
Authors: Roberto G. Quercia, Anthony Pennington-Cross, and Chao Yue
Tian
March 2011
Homeownership and Wealth among Low- and Moderate Income Households
[PDF]
Authors: Michal Grinstein-Weiss, Clinton Key, Shenyang Guo, Yeong
Han Yeo, and Krista Holub
March 2011
Parental Transfer of Financial Knowledge and Later Credit Outcomes
among Low and Moderate Homeowners [PDF]
Authors: Michal Grinstein-Weiss, Jonathan Spader, Yeong Yeo,
Elizabeth Books- Freeze, and Andrea Taylor
Children and Youth Services Review, Vol. 33, Issue 1, pp. 78-85
January 2011
Navigating the Housing Downturn and Financial Crisis: Home Appreciation and Equity Accumulation among Community Reinvestment Homeowners(Book Chapter)
The American Mortgage System: Crisis and Reform, Susan Wachter and Marvin Smith, editors, University of Pennsylvania Press
2011
Urban Homeownership and Mental Health: Mediating Effects of
Perceived Sense of Control and Community Trust
October 2010
Mortgage Default and Prepayment Risks among Moderate- and Low-Income
Households
Authors: Roberto G. Quercia, Anthony Pennington-Cross and Chao Yue
Tian
September 2010
The Preemption Effect: Impact of Federal Preemption of State
Anti-Predatory Lending Laws on the Foreclosure Crisis [PDF]
August 27, 2010
Portfolio Adjustment to Home Equity Accumulation among CRA Borrowers
July 2010
The Impact of State Anti-Predatory Lending Laws on the Foreclosure
Crisis
June 2010
Homeownership
Done Right: What Experience and Research Teaches Us
Watch
Video
April 2010
Homeownership
and Sense of Control during Economic Recession: A Propensity Score
Analysis
April 2010
The APL Effect: The Impacts of State Anti-Predatory Lending Laws on
Foreclosures [PDF]
March 23, 2010
The Foreclosure Generation: The Long-Term Impact of the Housing
Crisis on Latino Children and Families
February 2010
Individual Development Accounts for Housing Policy: Analysis of
Individual and Program Characteristics
Housing Studies,
Vol. 25, No. 1, January 2010
The
Effect of Marital Status on Homeownership among Low- and Moderate
Income Households [PDF]
Forthcoming,
Social Work Research
January 2010
Homeownership and
Civic Engagement in Lower-Income Urban Neighborhoods: A Longitudinal Analysis
January 2010
Risky Borrowers or Risky Mortgages:
Disaggregating Effects Using Propensity Score Models
November 2009
Renting to Owning: An Exploration of the Theory of Planned Behavior
in the Homeownership Domain
Basic and Applied Social Psychology, Vol. 31, pp.
376-389
November 2009
Friends and Neighbors: Homeownership and
Social Capital Among Low- to Moderate-Income Families
November 2009
State Anti-Predatory Lending Laws: Impacts and Federal Preemption
Phase I Descriptive Analysis [PDF]
October 6, 2009
Mortgage Servicer Response to Borrowers in Crisis: A Report From
the Front Lines [PDF]
September 14, 2009
Exposing the Myth of Irrational Exuberance
September 8, 2009
The Neglect of America's Housing: Consequences and Policy Responses
September 2009
Tailoring Loan Modifications: When Is Principal Reduction Desirable?
August 23, 2009
Neighborhood Subprime Lending and the Performance of Community
Reinvestment Mortgages [PDF]
Journal of Real Estate Research 2010, Vol. 32, No. 3,
pp. 341-376
August 9, 2009
Good
Business and Good Policy: Finding the Right Ways to Serve the
Affordable Mortgage Market [PDF]
July 2009
Homeownership and Local Voting in Disadvantaged Urban Neighborhoods
[PDF]
Cityscape, Vol. 11, No. 3, 2009
July 2009
Loan
Modification and Redefault Risk An Examination of Short-term Impact
July 2009
Homeownership and
Neighborhood Satisfaction Among Low- and Moderate-Income Households
[PDF]
Forthcoming,
Journal of Urban Affairs
July 2009
A Bridge to Somewhere
Janneke Ratcliffe
The American Prospect
June 26, 2009
Beyond
Disparate Impact: Risk-based Pricing and Disparity in Consumer
Credit History Scores
June 2009
Pre-Purchase Homeownership Counseling and Mortgage Search
June 2009
Homeownership and Parenting Practices: Evidence from the Community
Advantage Panel [PDF]
Children and Youth Services Review,
Vol. 32 (2010) pp. 774-782
May 2009
Mortgage Brokers and the Refinancing Transaction: Evidence from CRA
Borrowers
May 2009
The
Community Reinvestment Act: Outstanding and Needs to Improve [PDF]
Revisiting the CRA: Perspectives on the Future of the Community Reinvestment Act
[PDF]
February 2009
The Impact of Low- and Moderate-Wealth Homeownership on Parental Attitudes and
Behavior: Evidence from the Community Advantage Panel [PDF]
Children and Youth Services Review, Vol. 31 (1), p. 23-31 January 2009
Community Reinvestment Lending in a
Changing Context: Evidence of Interaction with FHA and Subprime Originations [PDF]
January 2009
Community Advantage Program Database: Overview and Generalization
[PDF]
Cityscape, Vol. 11, No. 3, 2009
The Preventable Foreclosure Crisis
[PDF]
Housing Policy Debate,
Vol. 19, Issue 4, pp. 775-783, Winter 2008
Mobility and Exit from Homeownership: Implications for Community
Reinvestment Lending [PDF]
Housing Policy Debate,
Vol. 19, Issue 4, pp. 675-709, Winter 2008
Fostering Low-Income Homeownership through Individual Development
Accounts: A Longitudinal, Randomized Experiment [PDF]
Housing Policy Debate, Vol.
19, Issue 4, pp. 711-739, Winter 2008
Are Low- and Moderate-Income Homeownership and Neighborhood Context Associated with Social Capital?
September 2008
Community Reinvestment Legislation and Access to Housing Finance in Post-Apartheid South Africa [PDF]
Housing Studies, Vol. 23, No. 5, pp. 697-716
September 2008
How are neighbourhood design features valued across different neighbourhood types? [PDF]
Journal of Housing and The Built Environment, No. 23, pp. 297-316
August 2008
Subprime Lending and Low-Income Communities
Maps of each U.S. Congressional district comparing subprime mortgage lending across the United States with the location of low-income and minority communities
Center for Community Capital, University of North Carolina at Chapel Hill
Summer
2008
Subprime's
Footprint
Shelterforce
Summer 2008
The Impacts of Community-based Foreclosure Prevention Programs
Housing Studies
, Vol. 23, No. 3, pp. 461-483
May 2008
Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?
Journal of Policy Analysis and Management, Vol. 27, Issue 2, pages 304-325
Spring 2008
Neighborhood Patterns of High Cost Lending:
The Case of Atlanta
Journal of Affordable Housing and Community Development Law , Vol. 17 No. 3, pp. 193-217
2008
Post-purchase Counseling and Default Resolutions among Low- and Moderate-Income Borrowers
Journal of Real Estate Research, V. 30 No. 3, pp 315-344
January 2008
The Portfolios and Wealth of Low-Income Homeowners and Renters:
Findings from an Evaluation of Self-Help Ventures Fund's Community Advantage Program
Federal Reserve Bank of San Francisco, EconPapers
October 2007
The Wealth-Creating Potential of Homeownership:
A Preliminary Assessment of Price Appreciation Among Low-income Home Buyers
Chasing the American Dream: New Perspectives on Affordable Homeownership
Cornell University Press, Ithaca, N.Y.
May 2007
The Social-Psychological Effects of Affordable Homeownership [PDF]
Chasing the American Dream: New Perspectives on Affordable Homeownership
Cornell University Press, Ithaca, N.Y.
May 2007
Persistency Pays Off: Prepayment Behavior of Affordable Home Mortgages
May 2007
The Determinants of Home Price Appreciation Among Community Reinvestment Homeowners
Housing Studies, Vol. 22, Issue 3, pp. 381-408
May 2007
An Affordable Homeownership Strategy That Promotes Savings Rather Than Risk [PDF]
Ending Poverty in America How to Restore the American Dream
The New Press, N.Y.
Spring 2007
Preventive Servicing is Good for Business and Affordable Homeownership Policy
Housing Policy Debate, Vol. 18, Issue 2, pp. 243-278
January 2007
Creating a Low-Income Renter Panel as Part of the Evaluation of the Fannie Mae Self-Help Community Advantage Secondary Mortgage Demonstration Program
[PDF]
December 12, 2005
Low Income Homeowners in the Community Advantage Panel:
A Preliminary Longitudinal Examination [PDF]
November 10, 2005
Assessing the Impact of North Carolina's Predatory Lending Law
Housing Policy Debate, Vol. 15, Issue 3, pp.573-601
2004
The Earned Income Tax Credit as an Instrument of Housing Policy [PDF]
The Brookings Institution, Washington, D.C.
June 2003
Performance of Community Reinvestment Loans:
Implications for Secondary Market Purchases [PDF]
Low Income Homeownership: Examining the Unexamined Goal
The Brookings Institution Press, Washington, D.C.
2002
Community Advantage Panel Study:
Social Impacts of Homeownership [PDF]
August 2002
The Fall and Rise of Public Housing [PDF]
Regulation Magazine. The Cato Institute, Washington, D.C.
Summer 2002
Does a High Tech Boom Worsen Housing Problems for Working Families? [PDF]
Housing Policy Debate, Vol. 13, Issue 2, pp. 393-415
May 2002
Facing the New Suburban Housing Crunch [PDF]
Blueprint: Ideas for a New Century, Vol. 8, pp. 54-57
Fall 2000
New Century Housing, Vol. 1, Issue 1
June 2000
Testimonies
Comment on Federal Housing Finance Agency's Proposed Housing Goals for Fannie Mae and Freddie Mac for 2012-2014 [PDF]
Submitted by Janneke Ratcliffe and Kevin Park to FHFA General Counsel Alfred M. Pollard
July 26, 2012
The
Private Mortgage Market Investment Act [PDF]
Statement of Janneke Ratcliffe before the Subcommittee on Capital Markets &
Government-Sponsored Enterprises, United States House of
Representatives
November 3, 2011
Comment on Proposed Standards for Credit Risk Retention and
Qualified Residential Mortgage (QRM) Rule
Janneke Ratcliffe, Kevin A. Park Submitted to U.S. Department of the
Treasury, Securities and Exchange Commission, Board of Governors of
the Federal Reserve System, Federal Housing Finance Agency, Federal
Deposit Insurance Corp., U.S. Department of Housing and Urban
Development
August 2, 2011
Transparency as an Alternative to Risk Retention [PDF]
Janneke Ratcliffe
Testimony before the Subcommittee on TARP, Financial Services, and Bailouts of Public and Private Programs, U.S. House of Representatives
Washington, D.C.
May 11, 2011
Written Statement of Janneke Ratcliffe, Before The Senate Committee on Banking,
Housing and Urban Affairs Hearing on Public Proposals for the Future of the
Housing Finance System [PDF]
Washington, DC
Mar. 29, 2011
Regulation
C: Home Mortgage Disclosure Act (HMDA) Public Hearing [PDF]
Janneke H. Ratcliffe
Written and oral testimony before the
Federal Reserve Board's HMDA hearings
Written testimony submitted by The Ford Foundation from a convening of researchers, including the Center for Community Capital [PDF]
Washington, D.C.
Sept. 24, 2010
Community Reinvestment Act Regulations [PDF]
Janneke Ratcliffe
Testimony to a hearing of the Board of Governors of the Federal Reserve System,
Federal Deposit Insurance Corp., Comptroller of the Currency and Office of Thrift Supervision.
Aug. 6, 2010
Written testimony submitted Aug. 31, 2010
Janneke Ratcliffe
Testimony before the U.S. House of Representatives Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises
July 29, 2010
Examining the Making Home Affordable Program [PDF]
Roberto Quercia
Testimony before the Subcommittee on Housing and Community
Opportunity, Washington, D.C.
March 19, 2009
Technical Reports
Survey Methodology Reports:
The Effects of Differential Interviewer Incentives on a Field Data Collection
Effort
[PDF]
Reduction
of Nonresponse Bias through Case Prioritization: Survey Research
Methods [PDF]
Andy Peytchev, Sarah Riley, Jeff Rosen, Joe Murphy, and Mark
Lindblad
Survey
Research Methods 2010, 4 (1), 21-29
Annual reports to the Ford Foundation on its funded research and evaluation of the Community Advantage Program:
- Community Advantage Panel Survey Technical Sampling Report: Owners, 2003-2012
April 2013 - Community Advantage Panel Survey Technical Sampling Report: Renters, 2004-2013
April 2013 -
Community Advantage Panel Survey: Data Collection Update and Analysis of Panel Attrition
February 2013 - Community
Advantage Panel Survey: Data Collection Update and Analysis of
Panel Attrition [PDF]
February 2012
-
Community Advantage Panel Survey: Data Collection Update and
Analysis of Panel Attrition [PDF]
March 2011
- Community Advantage Panel Survey: Data Collection Update and
Analysis of Panel Attrition [PDF]
May 2010
-
Community Advantage Panel Survey:
Data Collection Update and Analysis of Panel Attrition
[PDF]
May 2009
- Community Advantage Panel Survey:
Data Collection Update and Analysis of Panel Attrition
February 2008
Working paper series by RTI International detailing design, instrumentation, data collection methods, case management system and project management for CAP owner and renter interviews:
- Accumulation of Wealth and Social Capital Among Low-Income Renters (AWSC-R)
September 2004 - Accumulation of Wealth and Social Capital Among Low-Income Renters (AWSC-R) Round 2 and Community Advantage Panel survey of Homeowners (CAPS) Wave 3
December 2006 - Accumulation of Wealth and Social Capital among Low-Income Renters (AWSC-R) Round 3 and Soft Refusal Sample
April 2007 - Community Advantage Panel Survey Year 4 Data Collection
March 2010
Presentations
May 30, 2013
Home Energy Efficiency and Mortgage Risk
Chao Yue Tien
American Real Estate and Urban Economics Association National Conference
Washington, D.C.
April 11, 2013
Erasing the Advantage: Homeownership and the Impact of Financial Hardship on Health for Lower-Income Americans
Kim R. Manturuk
2013 Federal Reserve System Community Development Research Conference
Washington, D.C.
April 5, 2013
Evicted: Household Effects of Home Foreclosure Starts and Sales
Mark Lindblad
Urban Affairs Association 43rd conference
San Francisco, Calif.
April 5, 2013
Mortgage Default Risk and Local Unemployment
Chao Yue Tian
The 2013 FSU-UF Critical Issues in Real Estate Symposium, Tallahassee, Fla.
February 4, 2013
Homeownership and Neighborhood Stability: Linking Sense of Control Among Low-Income
Homeowners and Neighborhood Crime and Disorder
Janneke Ratcliffe
Habitat for Humanity International Annual Legislative Conference
November 16, 2012
Mortgage Default and Local Unemployment
Chao Yue Tian
Presented at the Southern Economic Association Annual Meeting, New Orleans, La.
November 10, 2012
Save the Home? Bankruptcy Decisions of Homeowners in Foreclosure
Mark Lindblad, Melissa Jacoby
2012 Association for Public Policy Analysis and Management Fall Research Conference, Baltimore, Md.
September 10, 2012
How
Will the Future Mortgage System Meet the Demand for Homeownership?
Roberto Quercia
Presented at the FreddieMac Affordable Housing
Advisory Council meeting, McLean VA
August 22, 2012
Using Data to Understand Emerging Trends in the Mortgage Market and Borrowers' Access to Credit
Sarah Riley
Presented at the U.S. Department of Housing and Urban Development and The Urban Institute roundtable, Washington, D.C.
August 15, 2012
Government
Officials & Activists Discuss the Housing Crisis
Live coverage of Center for American Progress's conference, "Home for
Good: It's time to Talk about Housing"
Report
details
July 26, 2012
Affordable
Housing & Sustainability: The Case for Low-Income Homeownership
Roberto Quercia
Presented at 2012 Eco-Forum Global, Guiyang CHINA
May 31, 2012
Balancing
Risk & Access: Underwriting Standards for Qualified Residential Mortgages
Roberto Quercia, Lei Ding, & Carolina Reid
Presented at the American Real Estate & Urban Economics Association Mid-Year
meeting, Washington, DC
May 22, 2012
Setting the
Record Straight on Affordable Homeownership
Janneke Ratcliffe
Presented at the Woodrow Wilson Center's conference, Are
We Becoming a Nation of Renters?, Washington DC
May 1, 2012
Setting the Record Straight on Affordable Homeownership
Presentation
Working
Paper
Allison Freeman & Janneke Ratcliffe
Presented at Assets
@ 21: Lessons from the Past, Directions for the Future, New America
Foundation Symposium & Ideas Summit, Washington DC
April 20, 2012
Strategic
Default Behavior and Attitudes among Urban Low-Income Homeowners
Sarah F. Riley
Presented at the 42nd Urban Affairs Association 2012 Conference, Pittsburgh PA
Save
the Home? Bankruptcy Decisions of Homeowners in Foreclosure
Mark Lindblad
Presented at the 42nd Urban Affairs Association 2012 Conference, Pittsburgh PA
April 17, 2012
Quo
Vadis? Where To for Affordable Mortgage Finance?
Roberto G. Quercia
Presented to the Fannie Mae Affordable Housing Advisory Council Meeting,
Washington DC
March 28, 2012
Affordable
Housing: The Way Forward From Here [PDF]
Carolina Reid, David Min, & Janneke Ratcliffe
Presented at the 2012 National Interagency Community Reinvestment Conference,
Seattle WA
February 8, 2012
Homeownership
Done Right
Janneke Ratcliffe
Presented to Habitat on the Hill, Washington DC
January 2012
Mortgage
Default & Local Unemployment [PDF]
Roberto G. Quercia, Anthony Pennington-Cross & Chao Yue Tian
Presented at the American Economics Association Annual Meeting, Chicago IL
January 2012
Personal
Bankruptcy Decisions Before & After Bankruptcy Reform [PDF]
Melissa Jacoby, Mark Lindblad, Roberto Quercia & Sarah Riley
Presented at the American Economics Association Annual Meeting, Chicago IL
December 15, 2011
Are
Tax-Time Savings Sustainable?
Clinton Key, Jenna Tucker, Michal Grinstein-Weiss
Presented at the Society for Social Work & Research,
Washington D.C.
December 2, 2011
Homeownership
for Low-Income & Minority Families [PDF]
Presented at the Consumer
Federation of America Financial Services Conference, Washington DC
November 29, 2011
A
Nation of Renters? Promoting Homeownership Post-Crisis [PDF]
Roberto G. Quercia & Kevin A. Park
Presented at the 2011 Annual Conference of the Mississippi Chapter of the
American Planning Association, Greenwood MS
November 20, 2011
The
User Cost of Low-Income Homeownership: 2003-2010 [PPT]
Sarah Riley & HongYu Ru
Presented at the Southern Economics Association Conference, Washington DC
November 17, 2011
Assessing
the Housing Economy's Vital Signs [PDF]
Janneke Ratcliffe
Presented at Opportunity
Finance Network Conference, Minneapolis MN
November 10, 2011
Rebuilding the
Housing Finance System & the Future of Homeownership
Roberto G. Quercia & Kevin A. Park
Presented at World
Town Planning Day at the University of Hawaii-Manoa
October 25, 2011
Anticipatory
Survey Design: Reduction of Nonresponse Bias through Bias Prediction
Models [PDF]
Andy Peytchev, Sarah Riley, Jeff Rosen, Joe Murphy, Mark Lindblad,
& Paul Biemer
Presented to the U.S. Census Bureau
October 6, 2011
Mortgage
Underwriting & Access to Credit [PDF]
Roberto G. Quercia, Lei Ding & Carolina Reid
Presented at the Consumer Financial Protection Bureau Fall 2011
Research Symposium: "New Research on Sustainable Mortgages and
Access to Credit
September 20, 2011
Panel Discussion: Risk, Access and the Future of Homeownership [PDF]
Roberto G. Quercia
Presented at Center for American Progress, Washington, D.C.
September 15, 2011
Personal
Bankrutpcy Decisions of Lower-Income Homeowners [PDF]
Mark Lindblad, Roberto Quercia, Sarah Riley, Tianji Cai, Ling Wang,
Kim Manturuk, and Melissa Jacoby
FDIC Consumer Research Symposium: Financial Behavior in Turbulent
Times
September 1, 2011
The
Decision to Own: Smart Leverage or Unnecessary Risk [PDF]
Roberto G. Quercia
Aug. 23, 2011
Linking Social Disorganization, Urban Homeownership and Mental Health [PDF]
Kim Manturuk
Presented at American Sociological Association Annual Meeting, Las Vegas, Nev.
July 22, 2011
Anticipatory Survey Design: Reduction of Non-response Bias through Bias Prediction Models[PDF]
Andy Peytchev, Sarah Riley, Jeff Rosen, Joe Murphy, Mark Lindblad, Paul Biemer
Presented at European Survey Research Association Conference, Lausanne, Switzerland
July 21, 2011
Panel Discussion: "Housing Finance Reform: Proposals, Policy and Politics" [PDF]
Fixed Income Forum 2011 Senior Delegates Roundtable, Park City, Utah
Janneke Ratcliffe
June 26, 2011
Factors Affecting Completion of a Matched Savings Program: Time
Preference, Discount Rate, and Financial Hardship [PDF]
Kim Manturuk, Jessica Dorrance, and Sarah Riley
June 9-10, 2011
Low-Income
Homeownership During the Financial Crisis: Perceived Stress & User
Costs [PDF]
Sarah Riley, Kimberly Manturuk, and HongYu Ru
May 30, 2011
The Aftermath of the US Financial Crisis: Implications for Affordable Housing Finance [PDF]
Roberto G. Quercia
Presented at Peking University, Symposium on Urban and Regional Planning and Management
May 12, 2011
Rebuilding the American Dream: Homeownership after the Great Recession [PDF]
Janneke Ratcliffe
Homeownership Symposium hosted by the Ford Foundation, Habitat for Humanity and the Hearst Foundations
April 28-29, 2011
Personal Bankruptcy Decisions of Lower-Income Homeowners [PDF]
Mark Lindblad, Roberto Quercia, Sarah Riley, Tianji Cai, Ling Wang, Kim Manturuk, Melissa Jacoby
Federal Reserve Community Affairs Research Conference, The Changing Landscape of Community Development, Washington, D.C
April 28-29, 2011
Perception
& Reality during the Financial Crisis: Homeowership, Low-Income Households
and Financial Stress [PDF]
Kimberly Manturuk, Sarah Riley and Janneke Ratcliffe
Federal Reserve Community Affairs Research Conference, The Changing
Landscape of Community Development, Washington, D.C
April 6, 2011
Today's
Latino Children: The Recession Generation [PDF]
Roberto G. Quercia
Insight Center for Community Economic Development policy
summit, The Recession Generation, the Racial Wealth Gap, and Restoring American
Prosperity, Washington, DC
The
Potential Power of Data Sharing & Usage [PPT]
Janneke Ratcliffe
National Association of Attorneys General 2011 Presidential Initiative
Charlotte, NC
Apr. 8, 2011
The
New Economic & Social Realities of Urban Homeownership [PDF]
Kim Manturuk,
Mark Lindblad,
Sarah F. Riley, and
Clinton C. Key
Urban Affairs Association Conference, New Orleans, LA
Mar. 17, 2011
The Many
Roads to Foreclosure, NC [PDF]
Roberto G. Quercia, and
Kevin A. Park
Presented at the Working Group Meeting on Economic
Development, Office of Economic & Business Development UNC CH
Mar. 16, 2011
Sustainable CRA
Lending [PDF]
Roberto G. Quercia
FDIC forum on Restoring Responsible Low- and Moderate-Income Mortgage Lending,
Washington, D.C.
Mar. 1, 2011
Mortgage Default and
Local Unemployment Implications for the Hardest Hit Fund [PDF]
Roberto G. Quercia and Chao Yue Tian
Center for Urban and Regional Studies Research Seminar, Feb. 9, 2011
Residential and Non Residential Fathers: Implications for Child Wellbeing
[PDF]
Pajarita Charles,
Michal Grinstein-Weiss, and Roderick Rose
Society for Social Work Research Annual Conference 2011, Tampa
FL.
Marital Status and
the Transition into Low-Income Homeownership: Evidence from a Propensity Score
Analysis
[PDF]
Michal Grinstein-Weiss, Clinton Key, Pajarita Charles, Shenyang Guo, and Kim
Manturuk
Society for Social Work Research Annual Conference 2011, Tampa
FL.
Prior
Parental Teaching of Money Management and Later Loan Performances among Low- and
Moderate-Income Homeowners [PDF]
Michal Grinstein-Weiss, Clinton Key, Yeong Yeo, Andrea Taylor, and Jonathan
Spader
Society for Social Work Research Annual Conference 2011, Tampa
FL.
CRA Services Test:
Leverage changes to qualifying criteria and take advantage of some old ones too
[PDF]
Janneke Ratcliffe
CRA & Fair Lending Colloquium, Nov. 7-10, 2010, Las Vegas NV
Impact of Federal Preemption of State Anti-Predatory Lending Laws on the
Foreclosure Crisis [PPT]
Janneke Ratcliffe
Association for Public Policy Analysis and Management - 32nd Annual Research
Conference, Boston, MA
Nov. 4, 2010
2010 N.C.
State of the Economy, The Housing Recovery and Beyond [PDF]
Roberto G. Quercia
N.C. Housing Coalition, 2010 N.C. Affordable Housing Conference: "Housing Works"
Raleigh Convention Center, N.C.
Sept. 16-17, 2010
Future of Housing Finance: The Role of Private Mortgage Insurance [PDF]
Janneke Ratcliffe
U.S. House of Representatives Subcommittee on Capital Markets, Insurance and
Government Sponsored Enterprises, Washington, D.C.
July 29, 2010
View archived Web Cast
Homeownership, Low-Income Households, and Financial Stress [PDF]
Kimberly Manturuk, Sarah Riley, Janneke Ratcliffe
Boulder Summer Conference on Consumer Financial Decision Making, Boulder CO
June 28, 2010
Do Default Hazards Change over Time? Implications for Effective Loan Modification
Strategies [PDF]
Roberto G. Quercia, Chao Yue, Tian
American Real Estate and Urban Economics Association 2010 Mid-Mid Year Meeting,
Washington, D.C.
June 3-4, 2010
Lessons to
Learn from CRA Lending [PDF]
Roberto G.Quercia and Janneke Ratcliffe
Federal Reserve Bank of Philadelphia,
Recover. Rethink. Rebuild. Reinventing Older Communities, Hyatt Regency
Philadelphia PA at Penn's Landing
May 12-14, 2010
The Foreclosure Crisis
Today [PDF]
Roberto G.Quercia
Annual Meeting of the American Real Estate Society, Naples,
FL
April 16, 2010
The Foreclosure Crisis:
Where are Things Today? [PDF]
Roberto G.Quercia
Community Reinvestment Association of North Carolina,
Saving Homes, Modifying Loans Successes, Lessons and Recommendations for HAMP,
Charlotte,
N.C.
April 6, 2010
The Foreclosure Crisis and Minority Communities A Research Reconnaissance [PDF]
Roberto G.Quercia
N.C. Institute for Minority Economic Development, National & Regional
Conversation on the Economic Impact of Housing on Minority Communities, Raleigh,
N.C.
February 2, 2010
Tailoring Loan Modifications: When Is Principal Reduction Desirable? [PDF]
Roberto G.Quercia, Lei Ding
APPAM Fall Research Conference, Washington, D.C.
November 5-7, 2009
Preventing
Foreclosures: Counselors, Servicers and Loan Modifications [PDF]
Roberto G.Quercia
NC Housing Finance Agency Conference, Raleigh, Raleigh Convention Center, N.C.
November 3, 2009
State
Anti-Predatory Lending Laws and Federal Preemption [PDF]
Roberto G.Quercia
Campbell University School of Law
October 29, 2009
Tailoring Loan Modifications: When is Principal Reduction Desirable?
[PDF]
Lei Ding
American Real Estate and Urban Economics Association 37th Annual Mid Year
Meeting
June 2009
Understanding the Foreclosure Crisis and the Policy Responses
[PDF]
Roberto G. Quercia
University of Texas, College Station, TX
May 2009
Risky Borrowers or Risky Mortgages [PDF]
Janneke Ratcliffe
Federal Reserve Community Affairs Research Conference, Washington
D.C.
April 16-17, 2009
Seeking Solutions
to the Mortgage Dilemna [PPT]
Janneke Ratcliffe
Mortgage Bankers Association Mortgage Servicing & Expo Conference, Tampa FL
February 19, 2009
Michal Grinstein-Weiss
SSWR 13th Annual Conference, Washington, D.C.
January15, 2009
The Effects of Low- and Moderate-Income Homeownership and
Neighborhood Context on Resource Generation: A Multilevel
Analysis
[PDF]
Michal Grinstein-Weiss
SSWR 13th Annual Conference, Washington, D.C.
January 15, 2009
The Preventable Foreclosure Crisis [PDF]
Roberto G. Quercia
Taubman College of Architecture & Urban Planning, Ann Arbor, Mich.
October 27, 2008
Risky Borrowers or Risky Mortgages [PDF]
Lei Ding
HUD Tuesday Series, Washington, D.C.
October 28, 2008
Foreclosures & The Community [PPT]
Janneke Ratcliffe
Virginia Foreclosure Prevention Community Impact, Richmond, VA
July 23, 2008
Risky Borrowers or Risky
Mortgages: Disaggregating Effects Using Propensity Score
Models [PDF]
Lei Ding
13th Asian Real Estate Society Annual Meeting, Shanghai, CHINA
July 2008
How Do We Safely Reach the Other Side? [PDF]
Janneke Ratcliffe
Federal Reserve Bank of Cleveland, Community Development Policy Summit Cleveland, Ohio
June 12, 2008
Spillover
Effect of Neighborhood Subprime Lending [PPT]
Lei Ding
American Real Estate and Urban Economics Association Meeting 36th Annual Mid
Year Meeting
May 2008
Solutions to the Subprime Crisis:
Anatomy of a Mortgage Backed Security [PPT]
Louis Perwein
CCC Internal Presentation
April 2008
Consumer Financial Services
The Importance of Tax Time for Building Emergency Savings: Major Findings from $ave NYC
April 2013
Individual,
Institutional, and Structural Determinants of Household Savings
Decisions
April 2012
Factors
Affecting Completion of a Matched Savings Program: Impacts of Time
Preference, Discount Rate, and Financial Hardship
The
Journal of Socio-Economics
April 9, 2011
The Consumer Finance Act: Report and Recommendations to the 2011 General Assembly
February 2011
The Bold and the Bankable: Telenovela and Financial Education
Communities Banking, Vol. 20, No. 4, pp. 26-28
Fall 2009
Telenovela
with a Financial Message
Community Investments, Vol. 21, No. 2, p. 38
Summer 2009
Increasing Inequality:
The
Role of American Household Indebtedness Between 1989-2004
April 2009
The Bold and the Bankable: How the Nuestro Barrio Soap Opera Effectively Delivers Financial Education to Latino Immigrants
Journal of Consumer Affairs Vol. 43, No.1, pp. 56-79
Spring 2009
Research Priorities: Results of the National Research Symposium on Financial
Literacy and Education
Results of the National Research Symposium on Financial Literacy and Education:
Ten Recommended Research Priorities
October 6-7, 2008
North Carolina Consumers after Payday Lending:
Attitudes and Experiences with Credit Options
Prepared for the North Carolina Commissioner of Banks
November 2007
Payday Lending [PDF]
Journal
of Economic Perspectives, Vol. 21, No. 1, pp. 169-190
Winter 2007
Latino Lending: Analysis of the Consumer Loan Portfolio of North Carolina's Cooperativa Communitaria Latino de Crédito
Prepared for Freddie Mac
September 2005
Transforming Tax Refunds into Assets:
A Panel Survey of VITA Clients in Greenville, Henderson, and Raleigh
Report for the North Carolina Commissioner of Banks
August 2005
The Role of Technology in Serving the Unbanked
March 2005
Welfare, Work and Banking: The Use of Consumer Credit by Current and Former TANF Recipients in Charlotte, North Carolina
Journal of Urban Affairs, Vol. 27, No. 4, pp. 279-402
September 2005
Financial Institutions and Individual Development Accounts:
Results of a National Survey
October 2003
The North Carolina Financial Services Survey
Prepared for the North Carolina Division of Social Services
October 2001
The Impacts of IDA Programs on Family Savings and Asset-Holding
February 2001
Standard Bank of South Africa's E Plan:
Harnessing ATM Technology to Expand Banking Services
July 2003
Bringing More Affordable Financial Services to the Inner City:
The Bethex Federal Credit Union-RiteCheck Check Cashing, Inc. Partnership
[PDF]
Fannie Mae Foundation, Building Blocks, Vol. 3, No. 3
Winter 2002
Toward a More Performance-Driven Service Test:
Strengthening Basic Banking Services under the Community Reinvestment Act
[PDF]
Fall 2002
Creating a Scorecard for the CRA Service Test:
Strengthening Banking Services Under the Community Reinvestment Act
The Brookings Institution, Policy Brief 96
March 2002
The State of Electronic Benefit Transfer
December 2003
Payday Lending: A Business Model that Encourages Chronic Borrowing
Economic Development Quarterly, Vol. 17, No. 1, pp. 8-32
February 2003
Banking the Unbanked:
Untapped Market Opportunities for North Carolina's Financial Institutions
[PDF]
North Carolina
Banking Institute Journal, Vol. 5, pp. 23-47
School of Law, University of North Carolina at Chapel Hill
August 2001
The Public Policy Challenges of Payday Lending [PDF]
Institute of Government, University of North Carolina at Chapel Hill
Popular Government, Vol. 66, No. 3, pp. 16-22
Spring 2001
Too Much Month at the End of the Paycheck:
Payday Lending in North Carolina [PDF]
Published by York Wilson, Durham, N.C.
January 2001
Spatial Analysis of Bank and Check-Cashing Locations in Charlotte, N.C.
December 30, 1999
A Guide to Low-Cost Financial Products in North Carolina
Report for the North Carolina Bankers Association and the North Carolina Credit Union Network
May 1999
Testimonies
An Examination of the Availability of Credit for Consumers [PDF]
Kim Manturuk
Testimony before the U.S. House of Representatives Subcommittee on Financial Institutions and Credit for Consumers
Washington, D.C.
Sept. 22, 2011
Presentations
May 14, 2013
The Importance of Tax Time for Building Emergency Savings: Major Findings from $ave NYC
Presentation Slides | Webinar
Kim Manturuk
Presented at UNC Center for Community Capital Webinar
Oct. 25, 2012
Evaluating Non-profit Programs: Best Practices and Common Pitfalls
Kim Manturuk
Presented at the American Evaluation Association 2012 Conference, Minneapolis, Minn.
Sept. 21, 2012
CFED Assets Learning Conference Closing Plenary Remarks
Lucy Gorham
Presented at the CFED 2012 Assets Learning Conference, Washington, D.C.
June 13, 2012
Emerging
Opportunities for Innovation in Small-Dollar Credit
Kim Manturuk
Presented at "Findings from the Field-Consumers & Small Dollar
Credit" workshop, CFSI Seventh Annual Underbanked Financial Services Forum,
San Francisco, CA
April 19, 2012
Learning
by Doing: Lessons on Financial Education from $aveNYC
Kim Manturuk
Presented at the Annual Conference on Financial Education, Orlando FL
Low-Income
Homeownership During the Financial Crisis: Perceived Stress & User Cost
[PDF]
Sarah Riley, Kimberly Manturuk, & HongYu Ru
Federal Reserve Bank of Cleveland OH Policy Summit, "A Conference on
Housing, Human Capital, and Inequality"
June 9-10, 2011
$aveNYC: Applying Behavioral Economics Principles to Encourage
Savings [PPT]
Clinton Key
Association for Public Policy Analysis and Management - 32nd Annual
Research Conference, Boston, MA
Nov. 4, 2010
What Do We Know About the Unbanked [PPT]
Janneke Ratcliffe
N.C. House Study Committee on Unbanked and Underbanked Consumers, Raleigh, N.C.
August 21, 2008
Student Debt and the Racial
Wealth Gap: Money, Markets and the Next Generation of Investors
[PPT]
Mark McDaniel
National Association of Student Affairs Professionals: Student Leadership Institute at Bowie State University, Bowie, Md.
May 27, 2008
Evolution of Banking & Access to Financial Services in the U.S. [PPT]
Michael Stegman
World Bank Conference on Broadening Urban Access to Financial Services, Cartagena, Colombia
April 28, 2004
A Sampler of Consumer Credit-related Research Being Conducted at the Center for Community Capitalism [PPT]
Michael Stegman
CFA Financial Services Conference, Washington, D.C.
December 2, 2004
Tax Time Savings
The Importance of Tax Time for Building Emergency Savings: Major Findings from $ave NYC
April 2013
Community Development Finance
Increasing Access to Capital: Could Better Measurement of Social and
Environmental Outcomes Entice More Institutional Investment Capital into
Underserved Communities?
Community Development Investment Review, Vol 5, Issue 2. Federal Reserve
Board of San Francisco,
2009
The Role of Community Development Financial Institutions in Home Ownership Finance
Prepared for CDFI Fund, U.S. Treasury under contract with Abt Associates
August 2008
Community Development Financial Institutions and the Segmentation of Underserved Markets
Prepared for CDFI Fund, U.S. Treasury Department under contract with Abt Associates
September 2008
Who's Counting? Measuring the Social Outcomes from Targeted Private Equity
Community Development Investment Review , Federal Reserve Bank of San Francisco
June 2007
Social Outcomes of Banc of America Capital Access Funds, A Fund of Funds Channeling Private Equity Capital to Underserved Markets
2006 and 2007 reports
Escheats Funds: An Overlooked Source of Public Capital for Business Development in North Carolina
September 2005
Creating Value in Inner-City Supermarkets: The Community Pride Way:
A Case Study Working Paper
August 2001
Presentations
Community Capitalism as a Foundation for a National Urban Policy [PPT]
Michael Stegman
Bootstrap Capitalism: Financial Services in Low-Income Communities, Washington, D.C. September 17, 2004
A Personal Perspective on the Recapitalization of Communities [PPT]
Michael Stegman
Community Development Policy Summit, Federal Reserve Bank of Cleveland, Columbus, Ohio
May 14, 2004
Thirty Years & Counting:
Why Has CDBG Outlived Most HUD Assisted Production Programs? [PPT]
Michael Stegman
Edward V. Sparer Symposium, University of Pennsylvania Law School
March 19, 2004
New Markets Tax Credit Program [PPT]
Michael Stegman
Monitoring and Evaluation Roundtable, Washington, D.C.
March 13, 2002
Creating Community Wealth [PPT]
Michael Stegman
Net Impact Conference, Kenan-Flagler Business School, UNC-Chapel Hill
November 3, 2001
Emerging Issues in Financial Markets & Community Investment [PPT]
Michael Stegman
GAO Planning Conference, US General Accounting Office, Washington, D.C.
February 15, 2001
