Individual Wealth Preservation

ARTICLES-PUBLICATIONS

Articles  \  Books  \  Papers  \  Reports

ARTICLES

Alan Berube, “Making Work Pay: Building Incomes and Assets through the Earned Income Tax Credit,” Building Blocks, vol. 5., no. 1, winter 2004.
article-berube.pdf (656KB)

Kenneth Brevoort and Cheryl Cooper, "Foreclosure’s Wake: The Credit Experiences of Individuals Following Foreclosure," Washington DC: Urban Institute, October 2010.
article-brevoort-cooper.pdf (510KB)

James H. Carr, Katrin B. Anacker, and Michelle L. Mulcahy, The Foreclosure Crisis and Its Impact on Communities of Color: Research and Solutions, Washington, DC: National Community Reinvestment Coalition, Sept 2011.
article-carr-anacker-mulcahy.pdf (1.6MB)

Dona DeZube, “The Tragedy of Foreclosure: Community-Based Nonprofits Respond,” NeighborWorks Bright Ideas, Washington, DC: NeighborWorks America, summer 2006, pp. 6-14.
article-dezube.pdf (1.2MB)

Karen Doyle Grossman, “EITC and Microentrepreneurs: One Program’s Experience,” FIELD Forum, issue 16, September 2005.
article-grossman.pdf (346KB)

Andrew Haughwout, Richard Peach, and Joseph Tracy, "The Homeownership Gap," Current Issues in Economics and Finance, New York, NY: Federal Reserve Bank of New York, volume 16, number 3, May 2010.
article-haughwout-et-al.pdf (300KB)

Randall S. Kroszner, “The Community Reinvestment Act and the recent mortgage crisis,” Washington, DC: Speech at the Confronting Concentrated Poverty Policy Forum, Board of Governors of the Federal Reserve System, December 3, 2008.
article-kroszner.pdf (43KB)

Manuel Pastor, Rhonda Ortiz, and Vanessa Carter, "Breaking The Bank/(Re)Making The Bank: America's Financial Crisis And The Implications For Sustainable Advocacy For Fair Credit and Fair Banking," Columbus, OH: Kirwan Institute for the Study of Race and Ethnicity, Ohio State University, Feb 2010.
article-pastor-et-al.pdf (825KB)

Michael Stegman, “Payday Lending,” Journal of Economic Perspectives, vol. 21, no. 1, winter 2007, pages 169-190.
article-stegman.pdf (116KB)

Jon Swan, "Native American Bank: Banking the Unbanked," Communities & Banking, Boston, MA: Federal Reserve Bank of Boston, summer 2008, pp. 20-23.
article-swan.pdf (370KB)

Sara Treuhaft, et al., "When Investors Buy Up the Neighborhood: Preventing Investor Ownership from Causing Neighborhood Decline," San Francisco, CA: Federal Reserve Bank of San Francisco, Community Investments, Vol 23, Is 1, Spring 2011.
article-treuhaft-et-al.pdf (840KB)

BOOKS

Tamara Draut, Strapped: Why America's 20 and 30-Somethings Can't Get Ahead, New York, NY: Doubleday, 2006.

Anna Kamentetz, Generation Debt: Why Now Is a Terrible Time To Be Young, New York, NY: Riverhead Books, 2006.

Elizabeth Warren and Amelia Warren Tyagi, The Two-Income Trap: Why Middle Class Parents Are Going Broke, New York, NY: Basic Books, 2003.

PAPERS

The Aspen Institute, Back to Basics: A Savings Approach To Homeownership, Washington, DC: Initiative on Financial Security, The Aspen Institute, Jul 2010.
paper-aspen.pdf (370KB)

Robert B. Avery and Kenneth P. Brevoort, The Subprime Crisis: Is Government Housing Policy to Blame?, Washington, DC: Federal Reserve Board, August 2011.
paper-avery-brevoort.pdf (380KB)

Miriam Axel-Lute, Communities at Risk: How the Foreclosure Crisis Is Damaging Urban Areas and What Is Being Done About It," New York, NY: Living Cities, Dec 2009.
paper-axel_lute.pdf (3.4MB)

Christi Baker and Doug Dylla, Analyzing the Relationship Between Account Ownership and Financial Education, Washington, DC: New America Foundation, Asset Building Program, September 2007.
paper-baker-dylla.pdf (208KB)

Ricardo Borgos, Prabal Chakrabarti, and Julia Reade, Understanding Foreclosures in Massachusetts, Community Affairs Discussion Paper 07-1, Boston, MA: Federal Reserve Bank of Boston, March 2007.
paper-borgos-et-al.pdf (304KB)

Amy Brown, Quality in EITC Campaigns: Results from the 2008 Tax Season, Baltimore, MD: Annie E. Casey Foundation, June 2008.
paper-brown.pdf (80KB)

Amy Brown, Innovations for Scale and Sustainability in EITC Campaigns, Washington, DC: The Aspen Institute, December 2005.
paper-brown.pdf (308KB)

Reid Cramer, Splitting Refunds: A Proposal to Leverage the Tax Filing Process to Promote Savings and Asset Building, Washington, DC: New America Foundation (Asset Building Program), October 2005.
paper-cramer.pdf (42KB)

Paul Davidson, Policy Note: How to Solve the U.S. Housing Problem and Avoid a Recession: A Revived HOLC and TRC, New York, NY: Schwartz Center for Economic Policy Analsyis, New School for Social Research, January 2008.
paper-davidson.pdf (130KB)

Peter Edelman, Mark Greenberg, Steve Holt, and Harry Holzer, Expanding the EITC to Help More Low-Wage Workers, Washington, DC: Georgetown Center on Poverty, Inequality and Public Policy, September 2009.
paper-edelman-et-al.pdf (200KB)

Bryony Edwards, Predatory Mortgage Lending and the Current Foreclosure Crisis: Market Challenges and Opportunity Finance Responses, Philadelphia, PA: Opportunity Finance Network, June 2008.
paper-edwards.pdf (2MB)

Ren S. Essene and William Apgar, Understanding Mortgage Market Behavior: Creating Good Mortgage Options for All Americans, Cambridge, MA: Joint Center for Housing Studies, Harvard University, April 25, 2007.
paper-essene-apgar.pdf (284KB)

Matt Fellowes and Mia Mabanta, Borrowing to Get Ahead, and Behind: The Credit Boom and Bust in Lower-Income Markets, Washington D.C., Metropolitan Policy Program, The Brookings Institution, May 2007.
paper-fellowes-mabanta.pdf (2.4MB)

Pamela Friedman, “Banking the Unbanked: Helping Low-Income Families Build Financial Assets,” Strategy Brief, Washington, D.C.: The Finance Project, September 2005.
paper-friedman.pdf (68KB)

José García, The New Squeeze: How a Perfect Storm of Bad Mortgages and Credit Card Debt Could Paralyze the Revcovery, New York, NY: Demos, 2008.
paper-garcia.pdf (700KB)

José A. Garcia, Borrowing to Make Ends Meet: The Rapid Growth of Credit Card Debt in America, New York, NY: Demos, 2007.
paper-garcia07.pdf (2.3MB)

José García and Tamara Draut, The Plastic Safety Net: How Households are Coping in a Fragile Economy, New York, NY: Demos, 2009.
paper-garcia-draut.pdf (920KB)

Anne Gasse, Post-Foreclosure Community Stabilization Strategies: Case Studies and Early Lessons 2008, NeighborWorks America, November 2008.
paper-gasse.pdf (1.2MB)

Jacob S. Hacker, Gregory A. Huber, Philipp Rhem, Mark Schlesinger, and Rob Valetta, Economic Security at Risk: Findings from the Economic Security Index, New York, NY: The Rockefeller Foundation, 2010.
paper-hacker-et-al.pdf (2MB)

Raul Hinojosa Ojeda, The Continuing Home Foreclosure Tsunami: Disproportionate Impacts on Black and Latino Communities, William C. Velasquez Institute, October 2009.
paper-hinojosa_ojeda.pdf (127KB)

Chris Giangreco and Ebony Thomas, "Disparities in Assets and Ownership: Limitations to the American Dream in Communities of Color," Chicago, IL: Heartland Alliance for Human Needs, Human Rights Illinois Asset Building Group, March 2011
paper-iadg.pdf (1.9MB)

Dan Immergluck, Community Response to the Foreclosure Crisis: Thoughts on Local Interventions, Atlanta, GA: Federal Reserve Bank of Atlanta, October 2008.
paper-immergluck.pdf (180KB)

Maurice Jourdain-Earl, Politics and the Subprime Mortgage Meltdown: An Examination of Disparities by Congressional District, Political Party, Caucus Affiliation, and Race, ComplianceTech, 2009.
paper-jourdain_earl.pdf (2.5MB)

G. Thomas Kingsley, Robin E. Smith, and David Price, The Impacts of Foreclosure on Families and Communities: A Primer, Washington, DC: Metropolitan Housing and Communities Center, Urban Institute, July 2009.
paper-kingsley-et-al.pdf (120KB)

James Lardner, Beyond the Mortgage Meltdown: Addressing the Current Crisis, Avoiding a Future Catastrophe, New York, NY: Demos, June 2008.
paper-lardner.pdf (700KB)

Lewis Mandell, Financial Education in the Workplace: Motivations, Methods, and Barriers, Washington, DC: New America Foundation, November 2008.
paper-mandell.pdf (310KB)

*NEW*
Polly V. Marshall, Barbara E. Kautz Goldfarb, and Lipman LLP, Ensuring Continued Affordability in Homeownership Programs, Oakland, CA: Institute for Local Government, May 1, 2006.
paper-marshall-kautz.pdf (315KB)

Tatjana Meschede, et al., Living Longer On Less Report #3: Severe Financial Among African American and Latino Seniors, Boston, MA and New York, NY: The Institute on Assets and Social Policy at Brandeis University and Demos: A Network for Ideas & Action, 2010.
paper-meschede-et-al.pdf (590KB)

National Community Reinvestment Coalition, Working-Class Families Arbitrarily Blocked from Accessing Credit, Washington, DC: NCRC, December 2010.
paper-ncrc10.pdf (1.6MB)

Leslie Parrish and Peter Smith, Shredded Security: Overdraft practices drain fees from older Americans, Center for Responsible Lending, June 18, 2008.
paper-parrish-smith08.pdf (1.1MB)

Leslie Parrish and Peter Smith, Billion Dollar Deal: Banks swipe fees as young adults swipe debit cards, colleges play along, Washington, DC: Center for Responsible Lending, September 24, 2007.
paper-parrish-smith.pdf (336KB)

Leigh Phillips and Anne Stuhldreher, Building Better Bank Ons: Top 10 Lessons From Bank on San Francisco, Washington DC: New America Foundation, February 2011.
paper-phillips-stuhldreher.pdf (1.6MB)

Arjan Schütte, Innovative Trends in Nonprofit Financial Services to the Underbanked, Chicago, IL; Center for Financial Services Innovation, September 2005.
paper-schutte.pdf (289KB)

David Stoesz, Quick Credit: The Fringe Economy, the Great Recession, and the Welfare State, Washington, DC: New America Foundation, Aug 2010.
paper-stoesz.pdf (350KB)

Daniel Tellalian, Thomas Tseng, and Eleanor Blume, Slipping Behind: Low-Income Los Angeles Households Drift Further from the Financial Mainstream, Washington, DC: Pew Health Group, Oct 2011.
paper-tellalian-tseng-blume.pdf (1.1MB)

Tim Westrich with John Taylor, David Berenbaum, Joshua Silver, and Anna Gullickson, Are Banks on the Map? An Analysis of Bank Branch Location in Working Class and Minority Neighborhoods, Washington, DC: National Community Reinvestment Coalition, March 2007.
paper-westrich.pdf (2.8MB)

Jennifer Wheary, Thomas M. Shapiro, and Tamara Draut, By A Thread: The New Experience of America's Middle Class, New York, NY and Waltham, MA: Demos and The Institute on Assets and Social Policy at Brandeis University, 2007.
paper-wheary-et-al.pdf (450KB)

Mark Wianowski, Sustaining Homeownership Through Education and Counseling, Cambridge, MA and Washington, DC:  Joint Center for Housing Studies, Harvard University and Neighborhood Reinvestment Corporation, October 2003.
paper-wianowski.pdf (640KB)

Kasey Weidrich, et al., Assets and Opportunity Special Report: The Financial Security of Households With Children, Washington, DC: CFED, May 2010. 
paper-weidrich-et-al.pdf (910KB)

Woodstock Institute, Foreclosure Fallout: an Analyst of Foreclosure Auctions in the Chicago Region, Chicago, IL: Woodstock Institute, August 2008.
paper-woodstock08.pdf (730KB)

REPORTS

California Reinvestment Coalition, Community Reinvestment Association of North Carolina, Empire Justice Center, Massachusetts Affordable Housing Alliance, Neighborhood Economic Development Advocacy Project, Ohio Lending Coalition, and the Woodstock Institute, "Paying More for the American Dream V: The Persistence and Evolution of the Dual Mortgage Market," San Francisco, CA: California Reinvestment Coalition, April 2011
report-crc-et-al.pdf (4MB)

Ajamu Dillahunt, et al., State of the Dream 2010: Drained Jobless and Foreclosed in Communities of Color, Boston, MA: United for a Fair Economy, Jan 2010.
report-dillahunt-et-al.pdf (2.2MB)

Christopher E. Herbert, Jennifer Turnham, Christopher N. Rodger, The State of the Housing Counseling Industry, Washington, DC: U.S. Department of Housing and Urban Development, September 2008.
report-herbert-et-al.pdf (2.1MB)

Institute for American Values, For a New Thrift: Confronting the Debt Culture, New York, NY: IAV, 2008.
report-iav.pdf (2MB)

Wei Li and Keith S. Ernst, The Best Value in the Subprime Market: State Predatory Lending Reforms, Durham, NC: Center for Responsible Lending, Feb. 23, 2006.
report-li-ernst.pdf (436KB)

Karin Martinson and Pamela Holcomb, Innovative Employment Approaches and Programs for Low-Income Families, Washington, DC: Center on Labor, Human Services and Population, The Urban Institute, February 2007.
report-martinson-holcomb.pdf (708KB)

Shannon McKay, Urvi Neelakantan and Kimberly Zeuli, Neighborhood Stablization Putting Policy into Practice: A Study of Five NSP1 Indirect Recipients, Richmond, VA: Federal Reserve Bank of Richmond, Community Scope, Vol 2, Is 2, 2011.
report-mckay-et-al.pdf (3.4MB)

William Myers, Steer Clear: How Credit Unions Help Car Buyers Avoid Predatory Loans, Washington, DC: National Credit Union Foundation, August 2008.
report-myers.pdf (650KB)

Scott Turner, et al., Addressing the Impact of the Foreclosure Crisis: Federal Reserve Mortgage Outreach and Research Efforts, Chicago, IL: Mortgage Outreach and Research Efforts (MORE) Initiative, 2010.
report-more.pdf (5.3MB)

National Community Reinvestment Coalition, Does CRA Small Business Lending Increase Employment: An Examination on a County Level, Washington, DC: National Community Reinvestment Coalition, 2010.
report-ncrc10.pdf (1.6MB)

Christopher Niedt and Marc Silver, Forging a New Housing Policy: Opportunity in the Wake of Crisis, Hempstead, NY: Hoftstra University, 2011.
report-niedt-silver.pdf (2MB)

Ida Rademacher, Jennifer Brooks, Kasey Wiedrich, Genevieve Melford, Michelle Nguyen, Barbara Rosen, Chris Campbell, Kristin Lawton, Amy Radovich and Karen Murrell, Building Economic Security in America’s Cities, The New Municipal Strategies for Asset Building and Financial Empowerment, Washington, DC: Corporation For Enterprise Development (CFED), January 2011.
report-rademacher-et-al.pdf (5.3MB)

Amaad Rivera, Brenda Cotto-Escalera, Anisha Desai, Jeannette Huezo, and Dedrick Muhammad, Foreclosed: State of the Dream 2008, Boston, MA: United for a Fair Economy, January 2008.
report-rivera-et-al.pdf (684KB)

Kevin Stein and Tram Nguyen, From Foreclosure to Re-Redlining: How America's largest financial institutions devastated California communities, San Francisco, CA: California Reinvestment Coalition, Feb 2010.
report-stein-gwynn.pdf (3.2MB)

Shelley Waters Boots, Improving Access to Public Benefits: Helping Eligible Individuals and Families Get the Income Supports They Need, New York, NY and Baltimore, MD: The Ford Foundation; Open Society Institute; Annie E. Casey Foundation, 2010.
report-waters_boots.pdf (1.5MB)

Beadsie Woo, Ida Rachemacher, and Jillien Meier, Upside Down: The $400 Billion Federal Asset-Building Budget, Washington, DC and Balitmore, MD: Corporation for Enterprise Development (CFED) and The Annie E. Casey Foundation, 2010.
report-woo-et-al.pdf (230KB)