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COMMUNITY REINVESTMENT INSTITUTE
2008 Program Outline
Jump to: Why participate?   Session schedule   Advisory commitee members   Application   Manual

WHAT IS THE INSTITUTE?

Building The institute is a series of interactive sessions over a three (3) month period designed to train individuals about the Community Reinvestment and Home Mortgage Disclosure Acts, Financial Literacy, and Predatory Lending.

The City of Dayton, along with local financial institutions, sponsors the Dayton Community Reinvestment Institute (CRI), which started in 1995. The Institute has received national recognition from the National Community Reinvestment Coalition (NCRC) for its outstanding efforts in education and empowering citizens to use and understand the Community Reinvestment Act (CRA).

The federal CRA established laws and procedures to assist communities, small businesses, organizations, and individuals with addressing lending and lending disparities. Dayton has a long history of working with citizens, local leaders and financial institutions to enhance lending opportunities throughout the community.

The Dayton Human Relation Council works with the University of Dayton's Center for Business and Economic Research to collect and analyze data, available through CRA, to evaluate lending patterns in Dayton. This data is made available to participants. Recent data continues to indicate lending disparities between the central city and suburbs. 		Goals of the Community Reinvestment Institute:
  1. To educate a cadre of individuals to understand the Community Reinvestment and Home Mortgage Disclosure Acts.
  2. To encourage citizens to evaluate lender performance.
  3. To examine predatory lending.
  4. To review community and lender initiated reinvestment plans.
  5. To serve as a forum for constructive dialogue and discussion regarding capital, credit and insurance needs in Dayton neighborhoods and small businesses.
  6. To communicate community reinvestment information to the community, priority boards, neighborhood associations, and other arenas.
WHY SHOULD YOU PARTICIPATE?
  • Become more knowledgeable about CRA as a neighborhood building tool
  • Learn how to help your community get credit
  • Build relationships with lenders
  • Learn about predatory lending
  • Understand how mortgage and insurance markets work
  • Get the facts on mortgage lending in your neighborhood
  • Become eligible for a sponsored trip to the National Community Reinvestment Coalition Conference
  • Learn how to educate other people on community reinvestment issues
SESSION SCHEDULE
Community Reinvestment:
The process of funneling public and private financial resources in targeted neighborhoods or communities by way of loans, grants or both.
Meet two Saturdays per month
September – November
9:00AM – 1:00PM
Continental breakfast and lunch served

Orientation – September 13, 2008, Patterson Homestead, 1815 Brown Street
  • Class introductions and overview of sessions
  • Discussion on class projects and homework
  • History of CRA/Updates
  • Introduction to Alumni Association
  • Bus Tour Sites
Session I – September 27, 2008, Patterson Homestead, 1815 Brown Street
Financial Literacy
  • Educational session on how to manage and evaluate financial transactions
Session II – November 17, 2007, University of Dayton, Miriam Hall, Room 102
Class Session
  • Interactive Presentation on Home Mortgage Disclosure Act (HMDA)
Session III – October 18, 2008, Patterson Homestead, 1815 Brown Street
Predatory Lending
  • An examination of predatory lending led by the Miami Valley Fair Housing Center
  • Role of Insurance (Toledo Fair Housing Center)
Session IV – November 8, 2008, Patterson Homestead, 1815 Brown Street
Wrap-up Session
  • Bringing CRA Together
  • Where do we go from here?
  • Class project presentation
  • Selection of National Community Reinvestment Coalition (NCRC) Conference attendee
  • Networking opportunities with Alumni Association and other organizations
Graduation Ceremony - November 20, 2008, 6:00 p.m., Liberty Savings Bank, 120 W. Second Street

ADVISORY COMMITTEE MEMBERS
  • P.J. Armocida, Fifth Third Bank
  • Beverly Blount-Hill, 2002 CRI Participant
  • Darnell Brown, 2003 CRI Participant
  • Lawrence Clark, J.P. Morgan Chase Bank
  • Agaytha Corbin, CDC Resource Consortium
  • Glenda Cousins, U.S. Bank
  • David Dewberry, 1998 CRI Participant
  • Alex Freeman, 1997 CRI Participant
  • Regina Harrison, 2005 CRI Participant
  • Constance Hudson, Huntington Bank
  • Dwayne Johnson, 2006 CRI Participant
  • Stacy Lewis, CRI Facilitator
  • Dean Lovelace, Dayton City Commissioner
  • Jim McCarthy, Miami Valley Fair Housing Center
  • Cheryl McKinley, Liberty Savings Bank
  • Marya Rutherford, National City Bank
  • Hector Santiago, 1997 CRI Participant
  • William Schooler, 1999 CRI Participant
  • Richard Stock, University of Dayton
  • Stacy Thompson, Keybank, N.A.
  • Richard Wilson, 1998 CRI Participant
  • Judy Zimmerman, Grafton Hills Neighborhood
For more information, contact Tonya Todd at the City of Dayton's Human Relations Council at 937-228-5854.
Sponsoring Financial Institutions:
J.P. Morgan Chase Bank
Fifth Third Bank
The Huntington National Bank
KeyBank, N.A.
Liberty Savings Bank
National City Bank
U.S. Bank

APPLICATION
To apply, download this PDF application and return it no latter than September 10, 2008 to:
Human Relations Council
371 West Second Street, Suite 100
Dayton, OH 45402

MANUAL
The manual used in the CRI classes will soon be available for downloading in PDF format.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       

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