SPECIAL REPORTS

A national mortgage finance policy group that includes Center for Community Capital executive director Janneke Ratcliffe proposes a plan for reforming the U.S. secondary market for home loans.

 

NCLR, CCC study shows foreclosures rattle the bedrock of Latino families

 

A Bridge to Somewhere

by 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.

TESTIMONIES and COMMENTS

Nov. 3, 2011

The Private Mortgage Market Investment Act 

Statement before the Subcommittee on Capital Markets & Government-Sponsored Enterprises, United States House of Representatives, Janneke Ratcliffe

Sept. 22, 2011

An Examination of the Availability of Credit for Consumers

Testimony before the U.S. House of Representatives Subcommittee on Financial Institutions and Credit for Consumers Kim Manturuk

Aug. 2, 2011

Proposed Standards for Credit Risk Retention and Qualified Residential Mortgage (QRM) Rule

Comment submitted to U.S. Department of the Treasury, Securities and Exchange Commission, Board of Governors of the Federal Reserve System, Federal Housing Finance Agency, Federal Deposit Insurance Corp., U.S. Department of Housing and Urban Development
Janneke Ratcliffe, Kevin A. Park

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PRESENTATIONS

May 1, 2012

Setting the Record Straight on Affordable Homeownership

Presentation
Working Paper
Allison Freeman & Janneke Ratcliffe

Presented at Assets @ 21: Lessons from the Past, Directions for the Future, New America Foundation Symposium & Ideas Summit, Washington DC

April 20, 2012
Learning by Doing: Lessons on Financial Education from $aveNYC
Kim Manturuk

Presented at the Annual Conference on Financial Education, Orlando FL

April 20, 2012
Strategic Default Behavior and Attitudes among Urban Low-Income Homeowners
Sarah F. Riley

Save the Home? Bankruptcy Decisions of Homeowners in Foreclosure
Mark Lindblad

Presented at the 42nd Urban Affairs Association 2012 Conference, Pittsburgh PA

April 17, 2012
Quo Vadis? Where To for Affordable Mortgage Finance? 
Roberto G. Quercia

Presented to the Fannie Mae Affordable Housing Advisory Council Meeting, Washington DC

March 28, 2012
Affordable Housing: The Way Forward From Here
Carolina Reid, David Min, & Janneke Ratcliffe

Presented at the 2012 National Interagency Community Reinvestment Conference, Seattle WA

February 8, 2012
Homeownership Done Right
Janneke Ratcliffe

Presented to Habitat on the Hill, Washington DC

January 2012
Mortgage Default & Local Unemployment
Roberto G. Quercia, Anthony Pennington-Cross, Chao Yue Tian

Presented at the American Economics Association Annual Meeting, Chicago IL

January 2012
Personal Bankruptcy Decisions Before & After Bankruptcy Reform
Melissa Jacoby, Mark Lindblad, Roberto Quercia, Sarah Riley

Presented at the American Economics Association Annual Meeting, Chicago IL

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PUBLICATIONS

Individual, Institutional, and Structural Determinants of Household Savings Decisions

Factors Affecting Completion of a Matched Savings Program: Impacts of Time Preference, Discount Rate, and Financial Hardship 

Differential Impacts of Structural and Cyclical Unemployment on Mortgage Default and Prepayment

CRA Lending in a Changing Context: Evidence of Interaction with FHA and Subprime Originations

Sense of Community and Informal Social Control among Lower Income Households: The Role of Homeownership and Collective Efficacy In Reducing Subjective Neighborhood Crime and Disorder

MARY'S WEEKLY NEWS DIGEST

Friday, May 11, 2012
Current Issue

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CENTER NEWS

April 20, 2012
Riley speaks on strategic default at UAA conference

April 20, 2012
"Learning by doing" proves effective strategy for helping low-income people build wealth, Manturuk says

April 19, 2012
UNC Center for Community Capital researchers speak on mortgage finance and credit access at national urban conference

April 19, 2012
Ratcliffe to speak on the future of home finance at NCRC conference

April 18, 2012
Quercia challenges mortgage industry to create sustainable lending system

April 17, 2012
Tax-time matched savings program helps low-income families build wealth

April 2, 2012
UNC study shows homeownership helps stabilize low-income neighborhoods

March 28, 2012
CCC researcher, partners speak at national community reinvestment conference

Feb. 27, 2012
Manturuk tapped to lead consumer financial services research

Feb. 8, 2012
UNC Center for Community Capital executive director speaks on benefits and factors for successfully expanding homeownership

Jan. 18, 2012
Government-mandated down payments would block creditworthy home buyers

Jan. 9, 2012
UNC Center for Community Capital founder named Treasury Department advisor

Jan. 6, 2012
Federal bankruptcy reforms failed to protect low-income homeowners in the foreclosure crisis, UNC Center for Community Capital research shows

Dec. 5, 2011
OPINION: Turn Foreclosure Frustration into Policy Action

Dec. 1, 2011
Center for Community Capital executive director discusses future of home ownership for low-income and minority families at Consumer Federation of America conference

Nov. 22, 2011
UNC Center for Community Capital executive director speaks on sustainable mortgage lending practices at community development finance conference

Nov. 21, 2011
UNC Center for Community Capital researcher presents research on low-income homeowners at Southern Economics Association annual meeting

Nov. 7, 2011
UNC Center for Community Capital research director Mark Lindblad speaks on how low-income families manage debt during adversity at N.C. State colloquium

Nov. 2, 2011
UNC Center for Community Capital research partners present findings on wealth-building strategies at national policy conference

Oct. 25, 2011
UNC Center for Community Capital research partner presents early study findings to U.S. Census Bureau staff

Oct. 18, 2011
UNC Center for Community Capital and School of Social Work experts present wealth-building strategies at regional forum