Consumer Protections

Research and analysis on predatory financial products and services and the development of alternative products, policies and regulations that protect consumers.

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

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

Testimony | August 31, 2010
Community Reinvestment Act Regulations (written)
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corp., Comptroller of the Currency and Office of Thrift Supervision
Janneke Ratcliffe

Testimony | July 29, 2010
Community Reinvestment Act Regulations (oral)
Janneke Ratcliffe

Presentation | October 29, 2009
State Anti-Predatory Lending Laws and Federal Preemption
Campbell University School of Law

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.

Research Report | 2009
A Prosperity Grid for North Carolina: Connecting Households and Communities to Economic Opportunity
Jessica Dorrance, Lucy S. Gorham, North Carolina Assets Alliance

Testimony | May 2008
Assessing the Impact of Payday Lending De-Authorization
Ohio Senate Finance Comittee
Kim Manturuk
Research conducted in North Carolina show most residents did not miss payday lending after it was de-authorized in the state and that the vast majority (nine out of 10) feel payday lending is bad.

Research Report | November 2007
North Carolina Consumers After Payday Lending: Attitudes and Experiences with Credit Options
Kim Manturuk, Janneke Ratcliffe

Published Article – Peer Reviewed | February 2003
Payday Lending: A Business Model that Encourages Chronic Borrowing
Economic Development Quarterly
Michael A. Stegman, Robert Faris
Researchers examine the explosive growth of payday lending as a source of short-term consumer credit in low-income communities and the high incidence of perpetual indebtedness of payday borrowers.

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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