Consumer Debt & Credit

Research and analysis on consumer debt, consumers’ access to and use of a variety of credit products, and policies and regulations that impact access to affordable credit.

CFSI Small Dollar Credit Report cover
Research Report | February 2016
Designing High-Quality, Small-Dollar Credit: Insights from CFSI’s Test & Learn Working Group
Thea Garon, Beth Brockland, Lucy S. Gorham, Jessica Dorrance
A Center for Financial Services Innovation report uses center research to shed light on how financial service providers can design high-quality, small-dollar loans that offer value to providers and consumers alike.

McDaniel speaks on student debt at 2015 Pathways to Prosperity conference
October 13, 2015
Student Loans and Financing
Pathways to Prosperity 2015
Mark McDaniel

Presentation | June 13, 2012
Emerging Opportunities for Innovation in Small-Dollar Credit
CFSI Seventh Annual Underbanked Financial Services Forum, San Francisco, Calif.
Kim Manturuk

Testimony | September 2011
Availability of Credit for Consumers
U.S. House of Representatives Subcommittee on Financial Institutions and Credit for Consumers
Kim Manturuk
Strong demand exists for small-dollar consumer credit ill-served by existing products, such as payday loans, credit cards or bank loans. Consumers want credit that is affordable, repayable and close-ended.

Presentation | September 15, 2011
Personal Bankrutpcy Decisions of Lower-Income Homeowners
FDIC Consumer Research Symposium
Mark R. Lindblad, Roberto G. Quercia, Tianji Cai, Melissa Jacoby

Research Report | February 1, 2011
The Consumer Finance Act: Report and Recommendations to the 2011 General Assembly
Janneke Ratcliffe, Kim Manturuk

Working Paper | August 2009
Thriftiness Isn’t Enough: Dynamics of Consumer Credit History Scores Among Low- and Moderate-Income Homeowners
Jonathan Spader, Roberto G. Quercia

Published Article | June 2009
A Bridge to Somewhere
The American Prospect
Janneke Ratcliffe
Center executive director Janneke Ratcliffe examines predatory lending and recommends ways to promote sound financial services for all Americans in this special report of The American Prospect on the U.S. financial crisis.

Working Paper | April 2009
Increasing Inequality: The Role of American Household Indebtedness Between 1989-2004
Allison Freeman, Janneke Ratcliffe

Presentation | May 27, 2008
Student Debt and the Racial Wealth Gap: Money, Markets and the Next Generation of Investors
National Association of Student Affairs Professionals: Student Leadership Institute at Bowie State University, Bowie, Md.

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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