Testimony


Testimony | May 11, 2011
Transparency as an Alternative to Risk Retention
Subcommittee on TARP, Financial Services, and Bailouts of Public and Private Programs, U.S. House of Representatives
Janneke Ratcliffe

Testimony | March 29, 2011
The Future of the Housing Finance System
Senate Committee on Banking, Housing and Urban Affairs Hearing
Janneke Ratcliffe

Testimony | September 24, 2010
Home Mortgage Disclosure Act: Regulation C
Federal Reserve Board public hearing
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

Testimony | August 24, 2010
Home Mortgage Disclosure Act: Regulation C (Ford Foundation)
Federal Reserve Board public hearing
The Ford Foundation summarizes comments from researchers about how HMDA can better serve its public purposes, the costs and benefits of expanding HMDA data, and lessons or models from other data sets that could be applied to HMDA, particularly to protect privacy.

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

Testimony | July 29, 2010
Future of Housing Finance: The Role of Private Mortgage Insurance
U.S. House of Representatives Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises
Janneke Ratcliffe

Testimony | March 19, 2009
Making Home Affordable Plan
U.S. House of Representatives Subcommittee on Housing and Community Opportunity

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.

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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