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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 17: CRA Sunshine Rules and You: How Nonprofits Can Avoid Being Left in the Dark
05/09/2001
Katy Jacob
Describes the reporting and disclosure requirements for non-profit organizations entering into CRA agreements with financial institutions as part of a series of CRA reforms passed as part of the Gramm-Leach-Bliley Act.
Marva Williams
Demonstrates how low-income credit unions (LICUs) have become a growing force in the world of financial institutions, using data collected from the National Credit Union Administration for the years 1990-1996. Highlights LICUs' successful financial management and crucial role in community reinvestment while stressing the need for targeted resources for these institutions.
Daniel Immergluck and Geoff Smith
This report examines the extent to which neighborhoods within the Chicago area have obtained significant levels of income and racial diversity in home buying and maintained such diversity over the 1990s. To do so, we compared compositions of buyers in neighborhoods across the metro area in 1993 and 1994 (combined) to those in 1999 and 2000 (combined).
Reinvestment Alert 20: CRA and CDFIs Revisitied:The Importance of Bank Investments for the Community
04/15/2003
Katy Jacob and Malcolm Bush
Demonstrates the importance of bank investments in community development financial institutions (CDFIs) that are crucial actors in low-income community development. Utilizing a new data source covering 379 CDFIs across the country, finds that bank investments are crucial to CDFIs. Provides evidence of the importance of the investment test portion of CRA exams and calls for an increase in the appropriation of the federal CDFI Fund.
Daniel Immergluck and Geoff Smith
The focus of this report is an analysis of changes in home buying in the Chicago area among different income groups. We compared buyers in 1993 and 1994 (combined) to those in 1999 and 2000 (combined). 
A Lifetime of Assets - Asset Preservation: Trends and Interventions in Asset Stripping Services and
09/26/2006
Josh Silver and Marva Williams This paper focuses the increase in high cost consumer and home mortgage debt as a dangerous threat to asset preservation and examines the Consumer Rescue Fund, innovative program administered by the National CommunityReinvestment Coalition (NCRC) that employs several strategies that enable consumers to preserve home ownership in the face of foreclosure by high cost lenders.
Tom Feltner and Marva Williams
Describes changes in the Illinois payday lending industry since 2001 when state rules regulating the industry were approved.
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.
Reinvestment Alert 14: Unregulated Payday Lending Pulls Vulnerable Consumers Into Spiraling Debt
03/07/2000
Marti Wiles and Dan Immergluck
This report provides a new analysis of the payday
lending industry and its customers. Using data obtained from the
Illinois Department of Financial Institutions (DFI) and various other
sources, it finds major faults in the key defenses that the industry
has used against stronger consumer regulation.
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