Working Paper | August 27, 2008
Community Development Financial Institutions and the Segmentation of Underserved Markets
Spencer M. Cowan, Danielle Spurlock, Janneke Ratcliffe, Haiou Zhu

Presentation | August 21, 2008
What Do We Know About the Unbanked
N.C. House Study Committee on Unbanked and Underbanked Consumers, Raleigh, N.C.
Janneke Ratcliffe

Presentation | July 23, 2008
Foreclosures & The Community
Virginia Foreclosure Prevention Community Impact, Richmond, Va.
Janneke Ratcliffe

Presentation | June 24, 2008
CDFIs in Home Ownership Finance
CDFI Fund Research Conference, Washington D.C.
Janneke Ratcliffe, Sara Wolff

Presentation | June 12, 2008
How Do We Safely Reach the Other Side?
Federal Reserve Bank of Cleveland, Community Development Policy Summit Cleveland, Ohio
Janneke Ratcliffe

Published Article – Peer Reviewed | Spring 2008
Neighborhood Patterns of High-Cost Lending: The Case of Atlanta
Journal of Affordable Housing and Community Development Law
Lei Ding, Janneke Ratcliffe, Michael A. Stegman, Roberto G. Quercia

Published Article | 2007
Private Equity/Public Returns: A Case Study — Year Two
Banc of America Capital Access Funds 2007 Social Impact Report
Janneke Ratcliffe

Published Article – Peer Reviewed | January 2008
Post-purchase Counseling and Default Resolutions among Low- and Moderate-Income Borrowers
Journal of Real Estate Research
Lei Ding, Roberto G. Quercia, Janneke Ratcliffe

Published Article – Peer Reviewed | Winter 2008
The Preventable Foreclosure Crisis
Housing Policy Debate
Roberto G. Quercia, Janneke Ratcliffe

Research Report | November 2007
North Carolina Consumers After Payday Lending: Attitudes and Experiences with Credit Options
Kim Manturuk, 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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