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

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

December 15, 2012
Are Tax-Time Savings Sustainable?
Clinton Key, Jenna Tucker, Michal Grinstein-Weiss

Presented at the Society for Social Work & Research, Washington D.C.

December 2, 2011
Homeownership for Low-Income & Minority Families [PDF]

Presented at the Consumer Federation of America Financial Services Conference, Washington DC

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PUBLICATIONS

Balancing Risk & Access: Underwriting Standards for Qualified Residential Mortgages
January 2012

Perception vs. Reality: The Relationship between Low-Income Homeownership, Perceived Financial Stress, & Financial Hardship
November 2011

Land use regulations and the returns to low-income homeownership
April 2011

MARY'S WEEKLY NEWS DIGEST

Friday, Jan. 27, 2012
Current Issue

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CENTER NEWS

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