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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
Marva Williams and Valjean McLenighan
The purpose of this guide is to help community organizations enable their members to join a mainstream credit union and begin building modest assets. Many credit unions offer financial products and services tailored to the needs of low-income people, but mainstream credit unions have not historically reached this population. Partnering with community organizations expands a credit union's membership while giving community organizations the tools to help their members build assets.
Daniel Immergluck and Geoff Smith
Maps supplement to full report. 
Reinvestment Alert 21: Impacts of CDFIs in Illinois: A Case for an Improved Illinois Fund for Invest
05/13/2003
Katy Jacob
Analyzes impacts of CDFIs in Illinois using FY 2001 data. Shows impactsof CDFIs on affordable housing, community facilities, individual development account programs, technical assistance, and other benefits. Makes a case for funding for the newly created Illinois Fund for Investment and Development (IFID), a CDFI authority for the state of Illinois.
Marva Williams
Describes the regulatory and other industry trends that impact the penetration of lower-income markets by credit unions. The report recommends that the Community Reinvestment Act (CRA) be amended to include credit unions.
Ann Maxwell and Daniel Immergluck
Documents the disproportionate concentration of liquor stores in lower-income and African-American neighborhoods in Cook County, Illinois. Also examines efforts and policies in Chicago and around the country to curb excessive liquor store densities in lower-income communities. Makes recommendations to stem the conditions that lead to liquor store over-concentration and blight. Malcolm Bush and Nathan Paufve
The report documents the decline in personal savings rates while explaining the recent saving incentive for lower-income people created by the federal Pension Protection Act of 2006. While the credit is a modest step in the right direction for providing lower-income people the level of incentives currently provided to middle- and upper-income people, the report recommends that it be made refundable to expand its benefits to all income qualified tax payers. Geoff Smith
An analysis by Woodstock Institute of Chicago area foreclosures show that foreclosure filings in the region grew at an alarming rate in 2006 and have reached their highest point in recent memory. Geoff Smith and Sarah Duda
Woodstock Institute previously reported that the number of foreclosed properties reverting to bank ownership, or becoming Real Estate Owned (REO), in the Chicago region increased dramatically between 2005 and 2007.i These types of properties are of particular concern because they are likely to sit vacant until banks are able to transfer them to an owner who is able to put them back into productive use.
Tom Feltner
This report analyzes 2002 IRS tax return data to determine the impact of refund anticipation loan usage among EITC recipients in communities across Illinois. The report also calculates the total amount of EITC dollars spent on high cost tax preparation and refund anticipation loan products in these same areas. 
Reinvestment Alert 30: U.S. Household Debt Levels Are Worrying No Matter How You Look at Them
04/24/2006
Malcolm Bush and Jonah Katz
This alert analyses a variety of measures of debt to provide an overall sense of changes in U.S. household debt levels and the impact of those changes on different groups of families. |
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