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.
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.
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.
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
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
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