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.
Between 1990 and 1996 there was a large increase
in the number of lower-income home buyers in the Chicago region. This
good news is tempered by the facts of where these households were able
to purchase homes. Most of them bought in Chicago and suburban Cook
County. Unless lower-income buyers have a choice of homes throughout
the six-county region, they will not gain the full benefits of
homeownership.
Examines home lending patterns in the Benton Harbor-St. Joseph area. Identifies possible lending disparities and community credit needs. Highlights ways to improve access to affordable mortgage credit for low-and moderate-income community residents, particularly those in Benton Harbor. Includes recommendations for local planning and action.
An analysis comparing the residents of a modest-income urban
neighborhood to jobs in and around the neighborhood, utilizing
specialized census data showing how many residents work in and around
the neighborhood. The study provides evidence supporting the importance
to local residents of economic activity in city neighborhoods.
This alert examines two proposed changes to the
regulation of the Community Reinvestment Act: A regulation
calling for the collection and disclosure of small business loan
application and origination data for banks and savings and loans by
census tract. Second, a proposal calling for the use of some objective
measures as key indicators of a bank's responsiveness to credit and
capital needs. Woodstock Institute found that on both these central
changes, the revised proposal is a substantial retreat from earlier
progress.
