Consumer Financial Services

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

Published Article – Peer Reviewed | Spring 2009
The Bold and the Bankable: How the Nuestro Barrio Telenovela Reaches Latino Immigrants with Financial Education
The Journal of Consumer Affairs
Jonathan Spader, Janneke Ratcliffe, Peter Skillern, Jorge Montoya

Presentation | January 15, 2009
The Effects of Low- and Moderate-Income Homeownership and Neighborhood Context on Resource Generation: A Multilevel Analysis
SSWR 13th Annual Conference, Washington, D.C.
Michal Grinstein-Weiss

Research Report | 2009
A Prosperity Grid for North Carolina: Connecting Households and Communities to Economic Opportunity
Jessica Dorrance, Lucy S. Gorham, North Carolina Assets Alliance

Research Report | October 2008
National Research Priorities for Financial Literacy and Education
Results of the National Research Symposium on Financial Literacy and Education
Janneke Ratcliffe, National Research Symposium on Financial Literacy

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 | May 27, 2008
Student Debt and the Racial Wealth Gap: Money, Markets and the Next Generation of Investors
National Association of Student Affairs Professionals: Student Leadership Institute at Bowie State University, Bowie, Md.

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.

Published Article – Peer Reviewed | Winter 2008
Fostering Low-Income Homeownership through Individual Development Accounts: A Longitudinal, Randomized Experiment
Housing Policy Debate
Michal Grinstein-Weiss, Jung-Sook Lee, Johanna K.P. Greeson, Chang-Keun Han, Yeong H. Yeo, Kate Irish
Individual Development Account savings program participation significantly increases the clearing of old debts and homeownership rates among low-income families.

Published Article – Peer Reviewed | Winter 2007
Payday Lending
Journal of Economic Perspectives
Michael A. Stegman
Michael Stegman examines the impact of and policy issues arising from the proliferation of payday lenders, who charge 400-1000 percent APR for short-term loans.

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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