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Series:Consumer and Community Affairs Policy Studies 

Discussion Paper
Ethnic immigrants enclaves and homeownership: a case study of an urban Hispanic community

Consumer and Community Affairs Policy Studies , Paper 2000-6

Discussion Paper
Home mortgage lending by applicant race/ethnicity: do HMDA figures provide a distorted picture?

Consumer and Community Affairs Policy Studies , Paper 2000-3

Discussion Paper
The homeownership and financing experience in two Chicago minority neighborhoods

This article documents the homeownership and financing decisions made by Hispanic and Black households in two Chicago ethnic communities to help policy makers, financial institutions and community leaders better understand the homeownership process for these two minority groups. Based on our findings, several policy initiatives and programs are proposed to improve the quality of financial literacy and ultimately for Hispanic and Black households.
Consumer and Community Affairs Policy Studies , Paper 2000-5

Discussion Paper
Delivery of financial literacy programs

A critical challenge faced by educators, community leaders and policy makers is to bring financial literacy and consumer education effectively to their constituencies. Based on the qualitative evidence gleaned from focus groups, we take a pragmatic approach in proposing ways to deliver financial literacy programs to adults. This article makes several suggestions for implementing financial literacy programs, from outlining important financial literacy and consumer education topics to discussing the logistics of using various method of outreach activities.
Consumer and Community Affairs Policy Studies , Paper 2000-7

Discussion Paper
Increasing participation in mainstream financial markets by black households

Consumer and Community Affairs Policy Studies , Paper 2000-4

Discussion Paper
Small-business access to trade credit: some evidence of ethnic differences

Based on findings from a survey of Black Households, this paper highlights socioeconomic and demographic factors that many influence the utilization of different financial markets. In addition, it discusses the potentially important role that informal financial networks can play in racial/ethnic communities. We propose that education programs, proactive community participation and partnerships between financial institutions and community organizations are important for greater access to credit and financial services among Black Households.
Consumer and Community Affairs Policy Studies , Paper 2000-2

Discussion Paper
Access to credit and financial services among black households

Consumer and Community Affairs Policy Studies , Paper 2000-1

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