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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
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. 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.
Geoff Smith
An analysis of new federal mortgage lending data confirms that high cost subprime lending tends to be concentrated in minority communities and to African American and Hispanic borrowers. Reinvestment Alert 28 is based on new 2004 HMDA data which includes pricing information for subprime loans. 
Reinvestment Alert 27 - Increase in Bank Branches Shortchanges Lower-Income and Minority Communities
02/08/2005
Geoff Smith
New evidence indicates the largest Chicago area banks have not expanded into lower income and minority markets, despite the substantial purchasing power and concentration of potential deposits available in these communities.
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.
Tom Feltner and Marva Williams
Describes changes in the Illinois payday lending industry since 2001 when state rules regulating the industry were approved.
Reinvestment Alert 24: CRA, Financial Modernization and the Policy Implications of Insurance Company
10/14/2003
Katy Jacob
Since the passage of the Gramm Leach Bliley Financial Modernization Act of 1999 (GLBA), insurance companies, banks, mortgage companies, and securities firms have been allowed to merge with and acquire one another for the first time since the Great Depression. This Alert discusses the community development implications of these changes. It also gives an overview of how insurance companies that have opened bank charters are performing in relation to the Community Reinvestment Act (CRA) and fair lending.
Geoff Smith
Analyzes patterns of small business lending in the Chicago region. Notes patterns in lending related to geography and race. Highlights importance of branch networks for small business lending and discusses credit card banking.
Geoff Smith
Reinvestment Alert 22: Where Banks Aren't: Despite Growth in Chicago Area Bank Offices, Low-Income and Minority Communities Remain Underrepresented.
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. |
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