|
|
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 addedGeoff Smith Foreclosures spiked in the last quarter of 2007 nearly every community in the Chicago region, based on forecosure filings analyzed by Woodstock Institute. This report also found that foreclosure filings have increased in suburban areas that have not traditionally been associated with high foreclosure levels.
Geoff Smith and Sarah Duda
This report summarizes key
foreclosure trends in the Chicago region for 2008
and updates Woodstock Institute reports and fact sheets
released previously that illustrated key aspects of the foreclosure
crisis such as the spread of the crisis to
suburban communities, the potential impact of the foreclosures
on Chicago’s
affordable rental housing market, and the growing number of foreclosures that
were becoming bank-owned properties and likely
sitting vacant. The report includes detailed appendices with data
for City of Chicago community areas
and municipalities in the Chicago Six County Area.
Tom Feltner This report provides a method for estimating the loan terms and conditions, default conditions, automobile characteristics, and borrower demographics of title loans in Illinois based on Cook County court cases filed against borrowers in default during 2005. It identifies key information on the title loan industry necessary to inform the public debate on how to best apply nationally recognized small loan consumer protections to the Illinois title loan industry. A joint report by: California Reinvestment Coalition, Community Reinvestment Association of North Carolina, Empire Justice Center, Massachusetts Affordable Housing Alliance, Neighborhood Economic Development Advocacy Project, Ohio Fair Lending Coalition, and Woodstock Institute 
Two Steps Back: The Dual Mortgage Market, Predatory Lending and the Undoing of Community Development
11/15/1999
Daniel Immergluck and Marti Wiles
This report analyzes home refinance lending in the Chicago area and documents the extreme segmentation of mortgage markets by race and neighborhood. In the last few years, mortgage lending abuses - often called predatory lending - have become an increasingly critical issue for those working to promote community reinvestment and development.
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.
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. 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.
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.
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. |
|
||
|
|
|||
|