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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
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.
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.
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.
Charlie Adams
This study finds that a number of basic financial
services are lacking in Pilsen. Only two institutions offer
checking accounts and only two provide ATM service. In a
community that is 88 percent Latino, only one institution distributes
literature in Spanish. The study also finds that a majority of
residents use currency exchanges for their primary financial needs.
Malcolm Bush, Sharyl Hudson, and Katy Jacob
This analysis concludes that current programs reach a small fraction of the population of lower income people. While the variety of training programs currently offered could be improved in a number of ways, the greater challenge is to figure out how to reach significantly more people with more substantive training.
Kathryn Tholin
A guide for congregations interested in understanding their community investment options, with descriptions of financial and management aspects, as well as social benefits, of different investment options. Examples provided. |
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