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Research Reports
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.

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Reinvestment Alert 22: Where Banks Aren't
June 10, 2003
Geoff Smith

Reinvestment Alert 22: Where Banks Aren't: Despite Growth in Chicago Area Bank Offices, Low-Income and Minority Communities Remain Underrepresented.
Rhetoric and Reality: An Analysis of Mainstream Credit Unions' Record of Serving Low-Income People
February 12, 2002
Katy Jacob, Malcolm Bush, and Daniel Immergluck

This report examines the reality of credit unions' claim that they honor the mission stated in the Federal Credit Union Act to meet the savings and credit needs of "persons of modest means." The report also discusses why it is so important that credit unions fulfill this statutory responsibility and how they might do so more effectively in the future.
Reinvestment Alert: What Does HMDA Data Reveal About Chicago?
May 12, 1992

Reinvestment Alert 15: Community-Bank Partnerships Creating Opportunities for the Unbanked
January 11, 2000
Marva Williams

This alert describes how the Financial Services Task Force of the Chicago CRA Coalition, in partnership with Chicago area banks, is expanding opportunities for lower-income consumers to establish deposit accounts, improve their financial literacy, and develop assets.
Reinvestment Alert 16: Affordable Alternatives to Payday Loans: Examples from Community Development
May 08, 2001
Marva Williams and Kathryn Smolik
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