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Research Reports

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

Patterns of Disparity: Small Business Lending in Fresno and Minneapolis-St. Paul Regions

Patterns of Disparity: Small Business Lending in Fresno and Minneapolis- St. Paul   The report examines the state of traditional bank small business lending in Fresno County, CA, and Minneapolis – St. Paul, MN. It offers policy and practice...

November 2, 2017 at 3:59 pm read more
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Patterns of Disparity: Small Business Lending in the Detroit and Richmond Regions

Patterns of Disparity: Small Business Lending in Detroit and Richmond   This report examines bank lending to businesses in the Detroit and Richmond Regions. The purpose is to determine the extent to which banks are meeting the credit needs...

August 9, 2017 at 4:14 pm read more

Patterns of Disparity: Small Business Lending in the Buffalo and New Brunswick Regions

Patterns of Disparity: Small Business Lending in the Buffalo and New Brunswick Regions   Part of our Patterns of Disparity series, this report examines bank lending to businesses in Buffalo, BY and New Brunswick, NJ. The purpose is to determine the...

April 19, 2017 at 2:26 pm read more

Patterns of Disparity: Small Business Lending in the Chicago and Los Angeles-San Diego Regions

Patterns of Disparity: Small Business Lending in the Chicago and Los Angeles – San Diego Regions   This report examines bank lending to businesses in the Chicago five county region and in the Los Angeles and San Diego region....

January 23, 2017 at 4:14 pm read more
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Lessons Learned from the Circuit Court of Cook County Mortgage Foreclosure Mediation Program

Lessons Learned from the Circuit Court of Cook County Mortgage Foreclosure Mediation Program   This report examines the development, implementation, and modification of the Circuit Court of Cook County Mortgage Foreclosure Mediation Program as it related to the court process for handling foreclosure cases...

June 2, 2016 at 3:32 pm read more
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No Right Turn: Illinois’ Auto Title Loan Industry and its Impact on Consumers

No Right Turn: Illinois’ Auto Title Loan Industry and its Impact on Consumers The study found that: 1)  The vast majority of title loans in Illinois are taken out by low-income people. 2)  The number of title loans issued in...

October 28, 2015 at 4:01 am read more
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Her Longer Road Home: Disparities in Mortgage Lending to Women in the Chicago Region

150616_longerroadhome_cowan.pdf The study found that: Mortgage applications from most women and women with co-applicants are less likely to be originated than mortgage applications from men and men with co-applicants, even controlling for loan-to-income ratio. The disparities between the origination...

June 15, 2015 at 5:43 pm read more
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Starting out Behind: Trends in Student Loan Burdens at For-Profit Colleges

startingbehind_buitrago_may2015.pdf The study found that: Students at two-year for-profit colleges were nearly 50 percent more likely to borrow than students at public colleges, all other factors being equal. Latino and white students at four-year for-profit colleges were significantly more...

May 11, 2015 at 6:30 pm read more
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