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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
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. 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.
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.
Geoff Smith
An analysis by Woodstock Institute of Chicago area foreclosures show that foreclosure filings in the region grew at an alarming rate in 2006 and have reached their highest point in recent memory.
Paying More for the American Dream: A Multi-State Analysis of Higher-Cost Home Purchase Lending
03/08/2007
Jim Campen, Saara Nafici, Adam Rust, Geoff Smith, Kevin Stein, and Barbara van Kerkhove This report demonstrates that African-American and Latino borrowers are paying more than their white counterparts for home purchase loans in six geographic areas: Boston, Charlotte, Chicago, Los Angeles, New York, and Rochester. This review of federal lending data shows dramatic disparities. For example, in New York, African-American borrowers were five times more likely to receive higher-cost home purchase loans than were white borrowers.
Whitni Thomas and Jessica Brown, new economics foundation Malcolm Bush and Geoff Smith, Woodstock Institute This report seeks to reinvigorate the debate on bank disclosure in the UK and to create a better understanding of why it should be demanded of banks. This analysis is carried out through detailed case studies comparing Charter One Bank in Chicago in the US where banks have disclosed local lending practices since 1975- with its parent company Royal Bank of Scotland in Manchester to review the level of information available and the impact that this has. To do this we evaluate the available information on small-business lending, bank branch availability and basic bank account opening in underserved areas of Manchester. Our analysis indicates that data on these factors is generally difficult to obtain, inconsistent, and in many cases incomplete. 
Hunting Down the Payday Loan Customer: The Debt Collection Practices of Two Payday Loan Companies
09/28/2006
Examines the court records of borrowers taken to court by two companies now offering payday installment loans. These loans, which were made before the Payday Loan Reform Act (PLRA), show the types of abuses and aggressive litigation borrowers can expect from these companies currently offering loans designed to circumvent the law.
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. 
Reinvestment Alert 30: U.S. Household Debt Levels Are Worrying No Matter How You Look at Them
04/24/2006
Malcolm Bush and Jonah Katz
This alert analyses a variety of measures of debt to provide an overall sense of changes in U.S. household debt levels and the impact of those changes on different groups of families. 
Key Trends in Chicago Area Mortgage Lending: Analysis of Data From the 2004 Chicago Area Community
03/28/2006
Geoff Smith
This analysis of Chicago area mortgage lending is intended as a companion piece to Woodstock Institute’s 2004 Chicago Area Community Lending Fact Book. It is meant to help put the mortgage lending data found in the Fact Book in a broader regional context. The first section analyzes regional trends in home purchase lending with a focus on changes in home buying patterns between 1999 and 2004. The second section focuses on patterns of high cost lending and foreclosures in the region.
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