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Calling It Home: Latino Rental Housing Affordability

October 15, 2019

Data from the years immediately following the housing and foreclosure crisis show a devastating impact on the financial wellbeing of many households. Latino and Hispanic households, like many other households of color, were hit particularly hard and have been slower … Continued

The Disparate Impact of Credit Checks in Employment Hiring

October 21, 2018

Does the use of credit checks negatively affect lower-income job applicants, and if so, what policies and practices can mitigate this impact?   Research indicates that nearly half of employers check an applicant’s credit history when hiring. This indicator raises … Continued

Assessing and Promoting Opportunity: Technical Appendix

May 21, 2018

This report describes the qualitative and quantitative data collection and analysis methods used by the Center for Community Capital (CCC) in our report, Assessing and Promoting Opportunity in Low- and Moderate-Income Target Communities: Findings from New Orleans and San Francisco. … Continued

Assessing and Promoting Opportunity: Executive Summary

May 21, 2018

This report provides an overview of the findings and recommendations in Assessing and Promoting Opportunity in Low- and Moderate-Income Communities: Findings from New Orleans and San Francisco. The UNC Center for Community Capital (CCC) partnered with JPMorgan Chase & Co. (JPMC) for … Continued

The Potential for Savings Accounts to Protect Young-Adult Households from Unsecured Debt in Periods of Macroeconomic Stability and Decline

March 12, 2016

This article tests the association between a savings account and debt in the lives of American young adults during periods of macroeconomic stability and decline and finds that a savings account may help young adults invest in their debt by entering better, healthier credit markets and avoiding riskier ones, especially during bad economic times.