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Washington, D.C. – UNC Center for Community Capital Executive Director Janneke will speak on the future of home finance Friday (April 20) at the National Community Reinvestment Coalition annual conference.

Ratcliffe will explain how the pending reform of the mortgage secondary market will have profound effects on communities of color and low-to-moderate income communities for decades to come, and what important elements must be included in any plans for reform.

The NCRC 2012 conference April 18-21 is focused on the theme, “Not Just an Economy, A Just Economy.” Keynote speakers include U.S. Housing and Urban Development Secretary Shaun Donovan and Consumer Financial Protection Bureau Director Richard Cordray. NCRC is an association of more than 600 community-based organizations that promote access to basic banking services, including credit and savings, to create and sustain affordable housing, job development and vibrant communities for America’s working families.

Ratcliffe is an expert on mortgage finance and co-author of Regaining the Dream: How to Renew the Promise of Homeownership for America’s Working Families. Written with co-authors Roberto G. Quercia, center director, and Allison Freeman, senior research associate, the new book examines the real causes of the foreclosure crisis and describes research-based strategies for how to rebuild a sustainable U.S. housing finance system.

Housing finance is a key area of study for the UNC Center for Community Capital, the leading center for research and policy analysis on the transformative power of capital on households and communities in the United States. The center is part of the College of Arts and Sciences at the University of North Carolina at Chapel Hill. Its in-depth analyses help policymakers, advocates and the private sector find sustainable ways to expand economic opportunity to more people, more effectively. For more information, visit or call (919) 843-2140.

Topics(s): Affordable Homeownership, Mortgage Finance
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