Consumer Financial Services

Research and analysis on products, services and conditions that promote or inhibit wealth creation and economic mobility.


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
Community Reinvestment Act Regulations (oral)
Janneke Ratcliffe

HousingStudies
Published Article – Peer Reviewed | January 2010
Individual Development Accounts for Housing Policy: Analysis of Individual and Program Characteristics
Housing Studies
Michal Grinstein-Weiss, Gina A. N. Chowa, Adriane M. Casalotti
Low-income families can save and build wealth when given structured opportunities through programs that promote saving behaviors, findings that hold implications for housing policy makers and program administrators.

REAP
Research Report | December 2009
The Reality Education and Assets Partnership: Making the Case for Student Financial Management Programs at Minority Serving Institutions

StateAPLFedPreemption
Presentation | October 29, 2009
State Anti-Predatory Lending Laws and Federal Preemption
Campbell University School of Law

CandBFall09
Published Article | Fall 2009
The Bold and the Bankable: Telenovela and Financial Education
Communities & Banking
Jonathan Spader
Nuestro Barrio telenovela, a 13-episode soap opera targeted to Latino immigrants, contains financial literacy content designed to educate Latino immigrants about financial services.

Thriftiness
Working Paper | August 2009
Thriftiness Isn’t Enough: Dynamics of Consumer Credit History Scores Among Low- and Moderate-Income Homeowners
Jonathan Spader, Roberto G. Quercia

americanProspectusSmall
Published Article | June 2009
A Bridge to Somewhere
The American Prospect
Janneke Ratcliffe
Center executive director Janneke Ratcliffe examines predatory lending and recommends ways to promote sound financial services for all Americans in this special report of The American Prospect on the U.S. financial crisis.

Telenovela
Published Article | Summer 2009
The Bold and the Bankable: Telenovela and Financial Education
Community Investments
Jonathan Spader, Janneke Ratcliffe, Jorge Montoya, Peter Skillern

Increasing.Inequality
Working Paper | April 2009
Increasing Inequality: The Role of American Household Indebtedness Between 1989-2004
Allison Freeman, 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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1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 • communitycapital@unc.edu