This fact sheet examines patterns in credit scores in New York City in 2007. The fact sheet explains how credit scores are used and describes sharp disparities in credit characteristics between communities of color and white communities in New York City in 2007. This is an addendum to a previously released fact sheet on credit scores in New York City.

Tom Feltner

Uses data from the Veritec Solutions February 2006 report on Illinois lending under the Payday Loan Reform Act and data collected by the Monsignor John Egan Campaign for Payday Loan Reform in 2004 to calculate the success of the act in reducing the cost of traditional payday loans and the high cost of new installment loans designed to evade the protections provided by the act.

Marva Williams

Fact sheet describing the impact of high cost refund anticipation lending on lower-income and minority communities.

This fact sheet highlights findings and recommendations from "Struggling to Stay Afloat: Negative Equity in Communities of Color in the Chicago Six County Region."  It finds that negative equity is disproportionately concentrated in the Chicago region’s African American, Latino, and majority minority neighborhoods, and that borrowers in communities of color have much lower equity than do borrowers in predominantly white communities.

This fact sheet outlines Woodstock Institute's concerns with Capital One's proposed acquisition of ING Direct. These concerns include the institutions' unsatisfactory records of meeting community needs and potential for systemic risk.

This fact sheet outlines findings from the report "Bridging the Gap: Credit Scores and Economic Opportunity in Illinois Communities of Color." The fact sheet explains how credit scores are used and describes sharp disparities in credit characteristics between communities of color and white communities in Illinois, as well as between large metropolitan and rural areas in Illinois. The fact sheet summarizes several policy recommendations to improve economic opportunity for people and communities impacted by low credit scores.

This fact sheet examines patterns in credit scores in New York City. The fact sheet explains how credit scores are used and describes sharp disparities in credit characteristics between communities of color and white communities in New York City. The fact sheet summarizes several policy recommendations to improve economic opportunity for people and communities impacted by low credit scores.