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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 addedMarva 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.
Daniel Immergluck
Advises community development financial institutions on how they can use CRA to attract more resources from banks and thrifts, thereby building scale and increasing their impact in their communities. Recommends ways CRA can improve regulation of community development lending and investments.
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.
Kathryn Tholin
(A Project by the Credit Union Foundation, Inc.) Documentation of the Vermont Development Credit Union's Affordable Mortgage Lending Program, a unique program which combines home purchase counseling with non-mortgage loan products to assist potential homebuyers become ready for a mortgage. The program can serve as a model for other lenders interested in affordable homeownership for lower-income families. 
Critical Capital: How Secondary Capital Investments Help Low-Income Credit Unions Hit Their Stride
05/14/2002
Marva Williams
Describes historical impact of secondary capital investments on low-income credit unions. Includes detailed case studies of four credit unions that are recipients of secondary capital investments. Offers policy recommendations related to the effectiveness of this investment tool. 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. Geoff Smith, Sarah Duda, and Katie Buitrago This report found that high-cost refund anticipation loans (RALs), which allow borrowers to receive their expected tax refund in one to three days, cost Illinoisans more than $114 million in 2006, with tax filers in African-American communities 3.5 times more likely to use RALs than the state average. The report is based on an analysis of 2006 tax data and recommends policy changes, such as a RAL fee cap and better funding of free tax preparation, to reduce the negative impact of RALs on low-wealth communities. Economic Development Where It's Needed: Directing SBA 504 Lending to Lower-Income Communities
06/10/1997
Daniel Immergluck and Erin Mullen
This report analyzes data on 504 lending for the
entire nation and for the Chicago metropolitan area to discern whether
this SBA program is serving sound economic development purposes.
Katy Jacob
This guide helps community organization's and financial institutions develop methods for evaluating their financial literacy program.
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. |
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