Consumer Financial Services
Topics: Asset-Building & Savings | Consumer Debt & Credit | Bankruptcy | Consumer Protections | Financial Capability & Education | Financial Services Industry
Research and analysis on products, services and conditions that promote or inhibit wealth creation and economic mobility.
Presentation | April 20, 2012
Strategic Default Behavior and Attitudes among Urban Low-Income Homeowners
42nd Urban Affairs Association 2012 Conference, Pittsburgh, Pa.
Presentation | April 19, 2012
Learning by Doing: Lessons on Financial Education from $aveNYC
Annual Conference on Financial Education, Orlando Fla.
Testimony | September 2011
Availability of Credit for Consumers
U.S. House of Representatives Subcommittee on Financial Institutions and Credit for Consumers
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.
Presentation | September 15, 2011
Personal Bankrutpcy Decisions of Lower-Income Homeowners
FDIC Consumer Research Symposium
Working Paper | April 2011
Coping with Adversity: Personal Bankruptcy Decisions of Lower-Income Homeowners Before and After Bankruptcy Reform
Mark R. Lindblad, Roberto G. Quercia, Sarah F. Riley, Melissa Jacoby, Tianji Cai, Ling Wang, Kim Manturuk
Working Paper | March 2011
Homeownership and Wealth among Low and Moderate Income Households
Michal Grinstein-Weiss, Clinton Key, Shenyang Guo, Yeong Hun Yeo, Krista Holub
Researchers finds that investing in a home yields higher short-term economic returns for low-income households than renting and choosing other forms of investment and consumption.
Research Report | February 1, 2011
The Consumer Finance Act: Report and Recommendations to the 2011 General Assembly
Janneke Ratcliffe, Kim Manturuk
Published Article – Peer Reviewed | January 2011
Parental transfer of financial knowledge and later credit outcomes among low- and moderate-income homeowners
Children and Youth Services Review
Michal Grinstein-Weiss, Jonathan Spader, Yeong Hun Yeo, Andréa Taylor, Elizabeth Books Freeze
Researchers find that low-income adults who receive high levels of money-management teaching in childhood from their parents have higher credit scores and lower credit card debt in adulthood.
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.
Research Report | November 2010
Strategies to Reduce the Racial and Gender Wealth Gaps in North Carolina
Tim Lohrentz, Jess Dorrance