noun_119855_ccCommunity Advantage Program Study

Funder: Ford Foundation

This long-term study sheds light on the factors that lead to successful homeownership and its economic and social impact on communities. Through the Community Advantage Panel Survey, researchers follow nearly 50,000 low-income homeowners who obtained mortgages through the path-breaking program and a companion panel of renters. Learn more here.


noun_922248_ccHousing and Opportunity Assessment

Funder: JPMorgan Chase & Co.

In partnership with several high-impact community organizations in New Orleans and San Francisco, the CCC is exploring the role of housing in linking low- and moderate-income families’ to the amenities, services, and institutions that can improve and enhance their quality of life. Learn more here.


Financial Capabilities and Housing Project

Funder: JPMorgan Chase & Co.

CCC is evaluating outcomes and best practices for three affordable housing providers as they begin to incorporate financial capability strategies into their existing housing programs. The organizations are The Resurrection Project in Chicago, the Cleveland Housing Network, and the NYC Housing Authority in partnership with the Office of Financial Empowerment and Urban Upbound. The research will include quantitative analysis of resident data to track a range of financial capability metrics as well as qualitative data to inform efforts aimed at expanding this type of integrated service delivery.


noun_779319_ccThe Impact of Student Loan Debt on Latino Students and their Families

Funder: National Council of La Raza (NCLR)

Center researchers are partnering with NCLR to explore how Latino students pay for higher education and the effect that student loan debt is having on students’ ability to complete school, family financial stress, and the capacity to save for other purposes. Learn more here.


noun_181833_ccFinancial Technology and Inclusion

Funder: JPMorgan Chase & Co.

In partnership with several high-impact community organizations, CCC is exploring the potential to leverage technology to enhance and scale inclusive financial capability services and products.


noun_516370_ccReport on Credit Scores Use in Employment Screenings

Funder: Kellogg Foundation

This report seeks to provide an enhanced understanding of the use of credit reports in hiring decisions, and current strategies used to minimize discriminatory impact and educate job seekers on credit repair.


noun_763859_ccFinancial Coaching Report

Funder: MetLife

Through a comparison study of several online financial coaching platforms, the CCC is working to identify gaps and redundancies in the current array of financial coaching tools and resources available for both practitioners and clients, providing new and actionable insights related to current coaching services and ongoing development and funding of new coaching programs.


noun_732587_ccStudent Loan Debt

Funder: MetLife

The CCC is examining how students from a variety of backgrounds make decisions about how to finance their education, how they negotiate the landscape of student loan debt, and how student loans impact their families’ broader financial health. Additionally, research will add an institutional perspective on the challenges that colleges face in assisting students and the opportunities for best practices and innovation. Learn more here.


Study of Foreclosure Prevention Programs

Funder: MacArthur Foundation

noun_119855_cc

This long-term study, in partnership with the Ohio Housing Finance Agency, examines how the housing crisis that began in 2007, coupled with high unemployment in the labor market, left millions of homeowners at risk of foreclosure. Federally-funded foreclosure mitigation programs for delinquent borrowers in the form of housing counseling or mortgage modifications have shown mixed success. By contrast, foreclosure prevention programs targeted at unemployed homeowners may have stronger impact, providing temporary mortgage stability even before delinquency, allowing time to secure employment and avoid the waterfall of financial and housing instability. This project analyzes one such program, the Housing Finance Agency Innovation Fund for the Hardest Hit Housing Markets, representing a combined $7.6 billion federal investment over 7 years.