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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 #12: Federal Electronic Funds Transfer and Low-Income Consumers
November 11, 1997
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.
Reinvestment Alert #10: Currency Exchanges Add to Poverty Surcharge for Low-Income Residents
March 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.
Economic Development Where It's Needed: Directing SBA 504 Lending to Lower-Income Communities
June 10, 1997
Daniel Immergluck and Erin Mullen

This report analyzes data on 504 lending for the entire nation and for the Chicago metropolitan area to discern whether this SBA program is serving sound economic development purposes.
Building the Savings and Assets of Lower-Income Consumers
November 09, 1999
Marva Williams and Sharyl Hudson

This report documents the asset development programs of five community development credit unions and illustrates the several diverse strategies to empower lower-income people to develop modest assets.  Case studies include Central Appalachian Peoples FCU, Quitman County FCU, Northeast Community FCU, Progressive Neighborhood FCU, and Zion United Credit Union.
Reinvestment Alert #8: CRA Boosts Multi-family Housing Loans in Chicago
May 09, 1995
Sidra Goldwater and Malcolm Bush

The Community Reinvestment Act has brought solid benefits to a critical part of the Chicago economy -- the multifamily housing market. Good quality rental housing is essential to the well-being of low- and moderate-income families in Chicago, and is a sign of neighborhood stability particularly in neighborhoods where a high percentage of the housing stock is multifamily.
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