Testimony


HMDA Comment Oct 2014
Testimony | October 28, 2014
Home Mortgage Disclosure Act (Regulation C)
Response to Consumer Financial Protection Bureau's proposed rule governing Home Mortgage Disclosure (Regulation C)
Kevin A. Park
The center responds to rules proposed by the Bureau of Consumer Financial Protection amending Regulation C to implement amendments to the Home Mortgage Disclosure Act and change institutional and transactional coverage.

Enterprise Housing Goals Comment
Testimony | October 2014
2015-17 Enterprise Housing Goals
Public comment to Federal Housing Finance Agency Director Mel Watt
Kevin A. Park
The center responds to the Federal Housing Finance Agency's proposed affordable housing goals for the government-sponsored enterprises Fannie Mae and Freddie Mac for 2015-2017

GSE Guaranty Fees Comment
Testimony | September 8, 2014
Fannie Mae and Freddie Mac Guarantee Fees
Response to Request for Input by Federal Housing Finance Agency Director Mel Watt
Kevin A. Park
Center researchers weigh in on the complex and important issues surrounding the setting of Fannie Mae and Freddie Mac’s fees in their response to Federal Housing Finance Agency Director Mel Watt request for input.

Draft PMI Reqs Comment
Testimony | September 8, 2014
Draft Private Mortgage Insurer Eligibility Requirements
Response to the Federal Housing Finance Agency’s Request for Input
Janneke Ratcliffe, Kevin A. Park

HAWK Comment 7-14-14
Testimony | July 14, 2014
HAWK for New Homebuyers
Comment to the U.S. Department of Housing and Urban Development
Roberto G. Quercia, Janneke Ratcliffe
The center offers four recommendations to help the program achieve its goals of improving the performance of the FHA’s mortgage fund, expanding the number of families who benefit from homeownership counseling and increasing access to sustainable home mortgages for buyers underserved by the current market.

BipartisanSolutionsHousingReform
Testimony | March 19, 2013
Bipartisan Solutions for Housing Finance Reform
Janneke Ratcliffe

FHFA-FannieFreddie-Comment
Testimony | July 26, 2012
Housing Goals for Fannie Mae and Freddie Mac for 2012-2014
Federal Housing Finance Agency
Janneke Ratcliffe, Kevin A. Park

Testimony | November 3, 2011
Private Mortgage Market Investment Act
Subcommittee on Capital Markets and Government-Sponsored Enterprises, U.S. House of Representatives
Janneke Ratcliffe

AvailabiltyofCredit
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.

Testimony | July 2011
Credit Risk Retention Standards and Qualified Residential Mortgage (QRM) Rule
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
Janneke Ratcliffe, Kevin A. Park

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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