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Research Reports Indepth analysis of persistent problems in the field of community development. Woodstock's research reports contribute to the body of knowledge used by policymakers and community development practitioners.
DocumentsDate added Dan Immergluck, Grand Valley State University Examines the impact of foreclosures of single-family mortgages – both conventional and government guaranteed – on levels of violent and property crime at the neighborhood level.
Geoff Smith, Malcolm Bush, and Nathan Paufve
This alert examines the service test evaluations of Chicago area large banks and thrifts to determine what information on services is collected and analyzed during the test procedures and looks at how regulators use these data to assess service test performance. The alert also discusses the limitations of the available data and makes recommendations for steps that might be taken to improve the effectiveness of the service test performance evaluation.
Marva Williams This report summarizes an 18-month evaluation of the affordable payday loan alternative products offered by six community development credit unions. In addition to describing loan activity, the report identifies the financial and operational factors that account for the program's success.
Marva Williams
Analyzes the diverse impacts and contributions of eight community development credit unions (CDCUs) in different economic, institutional, geographic, and demographic settings. It is designed to help CDCUs develop and implement new community development programs and form collaborations with community organizations, intermediaries, trade associations, and banks. Jessica Brown and Sargon Nissan
The report includes ten case studies of community finance initiatives in the US and the EU. These highlight the different features of community finance organisations, their target group and their core activities in order to identify what aspects of their operation are integral to creating successful interventions in deprived communities. The objective of these case studies is to highlight particular aspects of their activities and operating environment that are instructive for CDF in the UK.
Woodstock Institute provided case studies of US CDFIs. Marva Williams, Principal Investigator
Sarah Duda and Tom Feltner, Co-Authors This report details the partnership process and lessons learned from a two-year technical assistance program designed to help community organizations partner with mainstream credit unions with the goal of enrolling new lower-income members or expanding an existing partnership. The case studies describing these partnerships identify four strategic areas through which partnerships can be strengthened and the common barriers to developing a successful partnership can be overcome.
Tim Westrich and Malcolm Bush
Bounce protection, a product that is regularly offered to many bank customers as a convenience, has turned into an excessively priced loan program, key features of which are hidden from consumers. This report analyzes the fee structure of bounce protection products offered by several major Chicago region banks. Daniel Immergluck
An analysis of the long-awaited small business loan data released by federal bank regulators shows lower-income census tracts in Chicago area receive fewer loans per business than upper-income areas. 
Paying More for the American Dream: A Multi-State Analysis of Higher-Cost Home Purchase Lending
03/08/2007
Jim Campen, Saara Nafici, Adam Rust, Geoff Smith, Kevin Stein, and Barbara van Kerkhove This report demonstrates that African-American and Latino borrowers are paying more than their white counterparts for home purchase loans in six geographic areas: Boston, Charlotte, Chicago, Los Angeles, New York, and Rochester. This review of federal lending data shows dramatic disparities. For example, in New York, African-American borrowers were five times more likely to receive higher-cost home purchase loans than were white borrowers.
Tom Feltner and Malcolm Bush Summaries of the community reinvestment legislation in the United States, United Kingdom, Nigeria, Brazil, South Africa, India, Australia, and Canada. |
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