Financial Services Industry

Research and analysis on strategies to make financial markets work better for more people and to bring financial innovations that serve the needs of under-served consumers to scale.

Research Report | November 2016
Evaluation of the Center for Financial Solutions Innovation’s Financial Solutions Lab

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.

Building a Rainy Day Fund Through Impulse Savings:The Experience of MAGIC Mojo
Presentation | October 14, 2015
Building a Rainy Day Fund Through Impulse Savings:The Experience of MAGIC Mojo
Pathways to Prosperity Conference
Jessica Dorrance

MAGIC Mojo report cover
Research Report | July 2015
Impulse Savings: Evaluating the Impacts of MAGIC Mojo
Jessica Dorrance, Robert Donnelly, Lucy S. Gorham

A Fragile Balance book cover
Book Chapter | March 17, 2015
Building Emergency Savings Through “Impulse Saving”
A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income Consumers
Jessica Dorrance
Center senior project manager Jessica Dorrance joins other experts contributing chapters to a new book published by the Center for Financial Security that examines strategies to promote emergency savings, especially among underserved households.

Emergency Savings Webinar Presentation
Webinar | March 17, 2015
Emergency Savings Webinar
Jessica Dorrance, J. Michael Collins, Ezra Levin, Ingrid Holguin
Senior project manager and co-author Jessica Dorrance speaks on "Building Emergency Savings Through Impulse Savings" at a webinar hosted by the Center for Financial Security to coincide with the release of a new book.

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.

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

Presentation | November 4, 2010
Impact of Federal Preemption of State Anti-Predatory Lending Laws on the Foreclosure Crisis
Association for Public Policy Analysis and Management 32nd Annual Research Conference, Boston, Mass.
Janneke Ratcliffe

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

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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