Presentation | November 7, 2010
CRA Services Test: Leverage changes to qualifying criteria and take advantage of some old ones too
CRA & Fair Lending Colloquium, Las Vegas, Nev.
Janneke Ratcliffe

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

Presentation | June 28, 2010
Homeownership, Low-Income Households and Financial Stress
Boulder Summer Conference on Consumer Financial Decision Making, Boulder, Colo.
Kim Manturuk, Janneke Ratcliffe

Presentation | May 12, 2010
Lessons to Learn from CRA Lending
Federal Reserve Bank of Philadelphia, Hyatt Regency Philadelphia, Pa.
Roberto G. Quercia, Janneke Ratcliffe

Policy Brief | April 1, 2010
Homeownership Done Right: What Experience and Research Teaches Us
Center for American Progress
David M. Abromowitz, Janneke Ratcliffe

Published Article – Peer Reviewed | 2010
Neighborhood Subprime Lending and the Performance of Community Reinvestment Mortgages
Journal of Real Estate Research
Lei Ding, Roberto G. Quercia, 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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