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Chicago, Ill. – UNC Center for Community Capital executive director Janneke Ratcliffe joined a panel of other national experts discussing the future of mortgage servicing at the Mortgage Bankers Association 98th Annual Convention & Expo Oct. 9-12 in Chicago.

The topic of reforming mortgage servicing is gaining momentum as policymakers and investors rethink servicer compensation and how to better align stakeholder interests. Ratcliffe’s panel brought together policymakers with speakers representing lender, investor and consumer perspectives to explore the range of options for reform and their implications.

Ratcliffe’s panel was moderated by Peter P. Swire, senior fellow at the Center for American Progress and C. William O’Neill Professor of Law at Ohio State University. Other speakers were: Margaret Burns, senior associate director for congressional affairs and aommunications for the Federal Housing Finance Agency; Laurie Goodman, senior managing director, Amherst Securities Group LP; and Mark Hanson, vice president, securitization & cash execution for Freddie Mac.

Ratcliffe’s center has undertaken extensive research on the impact of servicing on mortgage repayment success and foreclosure. She is also co-author of Regaining the Dream: How to Renew the Promise of Homeownership for America’s Working Families, a new book written with center director Roberto Quercia and senior research associate Allison Freeman that examines the real causes of the foreclosure crisis and 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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