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National Harbor, Md. — Center for Community Capital associate director Janneke Ratcliffe joins a panel of national experts discussing best practices in responsible mortgage lending Thursday (May 6) at the Mortgage Lending Industry (MLI) Strategic Markets and Diversity Conference being held May 5-7 at the Gaylord National Resort & Convention Center in National Harbor, Md.

The fifth annual conference, “Sustaining Responsible Lending and Responsible Borrowing,” focuses on strategies for moving forward from the subprime lending crisis. Participants will examine clues to solutions involving industry diversity, preserving minority homeownership and expanding strategic lending. Discussion topics include the psychological and cultural aspects of dealing with borrowers, workforce and supplier diversity issues, neighborhood stabilization solutions, best practices in responsible lending, the affordability gap, single family bond financing, and credit capacity/credit scoring.

Ratcliffe’s panel, “Best Practices in Responsible Lending, Servicing and Borrowing: Perceptions versus Realities,” will discuss options, opportunities and alternate lending models and related issues, such as enforcement actions against illegal or borderline lending practices, borrower suitability standards, product design. meaningful versus deceptive disclosures, the role of financial literacy and of originators in fostering responsible borrowing. The moderator is Barry Zigas, director of housing policy for Consumer Federation of America. Other panelists are: Allen Fishbein, consumer education and research analyst for the Federal Reserve Board; Donna Murphy, deputy chief of the U.S. Department of Justice Civil Rights Division; and Rick Roniger, senior solutions consultant for First American Outsourcing and Technology Services Group

Ratcliffe provides guidance in all areas of the Center for Community Capital at the University of North Carolina at Chapel Hill, a research center dedicated to exploring ways to increase economic opportunity for undercapitalized communities that are effective in building assets and are sustainable from a business perspective. An expert in capital markets, community development finance, consumer financial services, mortgage finance and small business lending, she brings more than 20 years of experience in nonprofit and for-profit financial institutions.

Ratcliffe spent 10 years in GE Capital’s mortgage and mortgage insurance subsidiary in positions related to risk management, product development and strategic planning. She worked for seven years at one of the country’s leading community development financial institutions helping to launch a multi-billion dollar secondary market for affordable home loans and developing a new funding source for commercial and real estate lending through the innovative New Markets Tax Credit Program. Ratcliffe is a senior fellow at the Center for American Progress.

The conference is hosted by the Lending Industry Diversity Conference Inc. (LIDC) is a not-for-profit District of Columbia-based corporation organized to conduct conferences that promote the link between racial and ethnic diversity in the workforce and racial and ethnic diversity in ending/credit distributions, increase the racial and ethnic diversity of the workforce and suppliers in all lending and credit-granting industries; and researching, teaching and publicizing ways to capitalize on racial and ethnic diversity as a mechanism to increase minority loan originations. For more information, visit

Topics(s): Affordable Homeownership, Mortgage Finance
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