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Research Reports

CRA Mortgages: A Failure to Implement cover image

CRA Mortgages: A Failure to Implement

CRA reform efforts must address the fact that federal regulators have rated 95% of banks Satisfactory or better even though data show fewer regulated lenders meeting the law's goals.

September 8, 2021 at 5:13 pm read more
HUD Report cover costs and benefits

Woodstock HUD study finds home modifications help people, save money

The City of Chicago’s HomeMod Program provides home modifications for low- and moderate-income people under the age of 60 who have disabilities. With funding from the Department of Housing and Urban Development, Woodstock evaluated the program to determine whether...

May 7, 2021 at 10:34 pm read more
photo of 2-flats in Chicago with report title over top

Impact of COVID-19 on Black & Latinx Resident Owners in Chicago

Ongoing research has revealed a potentially massive COVID-19 impact on the two- to four-unit properties that house more than a third of Chicago’s renters.

May 1, 2021 at 9:38 am read more
Economic Impact 36% cap report title

PLPA Economic Impact & Job Creation

How the Predatory Loan Prevention Act in Illinois benefits communities and increases equity.

March 18, 2021 at 3:16 pm read more

Patterns of Disparity: Small Business Lending In Illinois

This report finds businesses in low- and moderate-income and communities of color received fewer loans from banks than businesses in higher-income and predominantly white areas across Illinois. The report, which examines and compares lending reported by banks under...

August 6, 2019 at 4:55 am read more

Mapping Older Adult Banking Vulnerabilities in the Chicago Region

The following interactive maps correspond to the data visualizations in Woodstock Institute's report, Digitally Divided: Older Adult Banking Vulnerabilities in the Chicago Region and are intended to serve as context for financial institutions, policymakers, community investment advocates, and agencies...

April 30, 2019 at 10:44 am read more

Digitally Divided: Older Adult Banking Vulnerabilities in the Chicago Region

Digitally Divided: Older Adult Banking Vulnerabilities in the Chicago Region April 17, 2019 Lauren Nolan This report reveals neighborhoods at highest risk of being left out of mainstream financial services, and offers solutions for financial institutions and policymakers. This...

April 17, 2019 at 11:32 am read more

Aging in Place: A Strategic Plan to Support Older Adult Housing Needs in the Chicago Region

Aging in Place: A Strategic Plan to Support Older Adult Housing Needs in the Chicago Region   July 31, 2018 Lauren Nolan, Jason Olson   This report identifies the conditions and challenges facing the growing population of older adults...

July 31, 2018 at 5:35 pm read more

Enforcing Inequality: Balancing Budgets on the Backs of the Poor

June 27, 2018 This report was compiled by the Multi-State Collaborative, which is composed of four partner organizations serving four states: California Reinvestment Coalition (CA); Woodstock Institute (IL); Maryland Consumer Rights Coalition (MD); and Reinvestment Partners (NC). With funding...

June 27, 2018 at 10:21 am read more

The Debt Spiral: How Chicago’s Vehicle Ticketing Practices Unfairly Burden Low-Income and Minority Communities

The Debt Spiral-How Chicago’s Vehicle Ticketing Practices Unfairly Burden Low-Income and Minority Communities   June 21, 2018 Lauren Nolan   This report sheds light on the City of Chicago’s ticket issuance policies, namely the disparate impact they inflict on...

June 21, 2018 at 11:22 am read more
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