Consumer Financial Services

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

Research Report | February 19, 2001
The Impacts of IDA Programs on Family Savings and Asset-Holdings
Michael A. Stegman, Robert Faris, Oswaldo Urdapilleta Gonzalez
Researchers assess the financial impact of a national Individual Development Account (IDA) pilot, Downpayment on the American Dream Demonstration, and the net savings and assets of program participants.

Book | January 2001
Too Much Month at the End of the Paycheck: Payday Lending in North Carolina
Community Reinvestment Association of NC, UNC Center for Community Capital
Lenders, borrowers and community advocates share personal stories of payday lending; researchers recommend policy changes for North Carolina to protect consumers.

Working Paper | December 30, 1999
Spatial Analysis of Bank and Check-Cashing Locations in Charlotte, N.C.
Anthony Kolb
An analysis finds that check-cashing outlets proliferate in Charlotte, N.C. neighborhoods that have higher percentages of low-income African Americans.

Book | August 1999
Savings for the Poor: The Hidden Benefits of Electronic Banking
Michael A. Stegman
The federal government's shift to deliver public benefit payments via electronic funds transfer holds potential to bring poor Americans into the banking mainstream.

Research Report | May 1999
A Guide to Low-Cost Financial Products In North Carolina
A guide to low-cost checking, savings and other account services available at banks and credit unions in North Carolina.

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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