UNC Center for Community Capital researchers testified May 14 before the Ohio Senate that North Carolinians did not miss payday lending after it was de-authorized in the state. The next day, Ohio legislators voted to drastically curtail payday lending.
UNC Center for Community Capital research comparing affordable and Community Reinvestment Act (CRA) mortgages to those made by subprime market players was cited during testimony before a joint panel of regulators today (July 19) on how to make CRA more effective.
Private mortgage insurance has helped expand access to homeownership for many Americans and should be preserved to maintain this key wealth-building tool, UNC Center for Community Capital associate director Janneke Ratcliffe told a Congressional subcommittee today (July 29).
UNC Center for Community Capital associate director Janneke Ratcliffe urged federal regulators in testimony today (Aug. 6) to refocus Community Reinvestment Act (CRA) requirements to ensure they result in broader access to financial services for low- and moderate-income consumers.
UNC Center for Community Capital associate director Janneke Ratcliffe recommended in testimony today (Sept. 24) that the Federal Reserve Board preserve the unique features that make Home Mortgage Disclosure Act (HMDA) data so valuable while expanding and standardizing data collection to shore up important data gaps.
A stable mix of public and privately administered credit insurance is needed to ensure the future of housing and economic opportunity, UNC Center for Community Capital executive director Janneke Ratcliffe told members of the Senate banking committee today.
Washington, D.C. – UNC Center of Community Capital research partner Andy Peytchev of RTI International presented early findings on a joint survey design and bias today (Oct. 25) to staff of the U.S. Census Bureau. The study, “Anticipatory Survey Design: … Continued
Washington, D.C. –UNC Center for Community Capital executive director Janneke Ratcliffe told a U.S. House of Representatives subcommittee at a hearing May 11 that risk retention and investor information are part of the solution to restoring confidence in the housing … Continued
Washington, D.C. – UNC Center for Community Capital executive director Janneke Ratcliffe urged Congress to ensure that the nation’s new mortgage finance system provides broad access to reasonably priced financing for both homeownership and rental so that more families, including … Continued
Researchers recommend how to build a mortgage market that is fair, accessible, affordable, and fiscally sound, one that works better for more households and communities than ever before.
