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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
Jennifer Healey and Daniel Immergluck
The most recently available home mortgage data for
the Chicago region show that refinancing loans were not uniformly
accessible to all residents. As a result, many borrowers,
particularly African-Americans, have not benefited from the refinancing
boom of the 1990's.
Lending test under the proposed 1994 CRA rules
show that some large Chicago area mortgage companies have poor lending
records in low- and moderate-income neighborhoods.
Reinvestment Alert #4: New CRA Regs will Benefit Community Groups by Stressing Objective Measures
02/08/1994
Malcolm Bush, Kathryn Tholin, and Daniel Immergluck
Describes some of the key features of the proposed 1994 CRA regulation and the advantaages and disadvantages.
Elise Kroll and Charles Adams
Describes the double bottom line of socially
responsible investment policies which includes a favorable rate of
return and an investment vehicle that meets certain socially responible
criteria. Contains interviews with staff of Shorebank and the
Calvert Fund.
Marva Williams
This Alert is a call to action for community organizations and others
concerned about the impact of electronic funds transfer (EFT) on
low-income households. It provides a summary of regulations proposed by
the Treasury Department and recommendations on how they can be
improved. An analysis of electronic benefits transfer (EBT) in Illinois
demonstrates why currency exchanges should be prohibited from serving
as EFT access points. Daniel Immergluck
An analysis of the long-awaited small business loan data released by federal bank regulators shows lower-income census tracts in Chicago area receive fewer loans per business than upper-income areas. 
Reinvestment Alert #10: Currency Exchanges Add to Poverty Surcharge for Low-Income Residents
03/11/1997
Erin Mullen, Malcolm Bush and Samantha Weinstein
This study finds that minorities and lower-income people who use these
"fringe banks" pay higher prices for basic financial services. In
addition to demonstrating the high costs charged by CEs, this Alert
makes recommendations aimed at encouraging greater use of banks by
these CE users, at reducing excessive fees charged by CEs, and at
increasing consumer awareness of the relative costs of financial
services.
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. 
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.
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