Indepth analysis of persistant problems in the field of community development. Woodstock's research reports contribute to the body of knowledge used by policymakers and community development practitioners.
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.
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.
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.
(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.
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.
