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Boston, Mass. — Three UNC experts presented findings at a national policy conference Nov. 5-6 on Center for Community Capital research examining a range of policies that affect the ability of low- and moderate-income people in the United States to build and sustain wealth.

The UNC researchers were among the featured speakers at the 2010 Fall Research Conference of the Association for Public Policy Analysis and Management (APPAM) in Boston, Mass. APPAM is an association of individuals focused on improving public policy and management by fostering excellence in research, analysis and education. The 2010 conference focused on the theme, “Making Fair and Effective Policy in Difficult Times.”

Center for Community Capital associate director Janneke Ratcliffe discussed the impact of federal preemption of state laws regulating mortgage lending and foreclosure in a panel on the role of regulation in consumer protection. Ratcliffe presented work by center director Roberto Quercia in collaboration with Lei Ding of Wayne State University (formerly of the Center for Community Capital), Carolina Reid of the Federal Reserve Board of San Francisco and Alan White of Valparaiso School of Law, funded by the State Attorneys General Program at Columbia Law School.

Ding presented findings on the impact of state anti-predatory lending laws on neighborhood foreclosure rates in a panel on determinants of sustainable homeownership. The findings are outlined in a paper he co-authored with Quercia, Reid and White in the same State Attorneys General Program-funded research project.

Clinton Key of the UNC School of Social Work and Janelle Richardson of the City of New York’s office of financial empowerment presented findings on the $aveNYC program, which promotes savings for low-income working households at tax time. This ongoing research is led by Center for Community Capital research fellow Michal Grinstein-Weiss, assistant professor at the School of Social Work, with funding from the Ford Foundation.

The UNC Center for Community Capital is the leading center for research and policy analysis on the transformative power of capital on households and communities in the United States. Part of the College of Arts and Sciences at the University of North Carolina at Chapel Hill, the center offers data and analysis that helps 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, Consumer Protections, Financial Inclusion, Mortgage Finance
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