Creative Investment Research
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Impact Investing
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Social Return Analysis
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Social Return Strategy
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Top 40 Books on Impact Investing
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Impact Investing and Black People
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Diversity Investing News
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- Journal of Financial Planning. William Michael Cunningham on Impact Investing, Blockchain, and Crowdfunding. October, 2018.
- Transcript. FPA Annual Conference 2018. Chicago, IL The Future of Blockchain. Wednesday, October 3.
- Why Trump Will Win. June 11, 2016.
- The Growing Economic and Social Cost of Racism. March 19, 2019.
- Black Church Burnings in the South
- Cryptocurrency
- Corporate Ethics and Fraud
- Global Research Analyst Settlement Fairness Hearing, SDNY, April 11, 2005
- White House Conference on Corporate Citizenship
- Corporate Fraud in 2004: Predicting the 2008 Crisis.
- 2008 Financial and Mortgage Crisis Timeline
- Mission and Vision
- The 1619 Project and the Inverted Yield Curve. August 19, 2019
- First Socially Responsible Investing Portfolio Devoted to Diversity Launched, 2006.
- First Crowdfunding Proposal - Korean "Keh" applied to Black Neighborhood Community Development. 6/20/1992.
- Microcredit Stock Exchange (Crowdfunding) Proposal to the DC Government, 2007.
- Energy Efficient Mortgage Loans in an MBS Pool
- Social Performance Indicators for Banks
- First Minority Coworking Incubator
- First Microcredit Bond
- Opposition to Citigroup/Travelers merger in the United States Court of Appeals for the District of Columbia Circuit, 1995.
- Opposition to the Morgan Guaranty Trust Company merger at the Federal Reserve Board.
- Lutheran Ethical Investing Conference, Stuttgart, Germany, 2001
- Ethical Investing in Finland
- Anti Predatory Lending Investment Vehicle: Proposed Solution to the "Mortgage" Crisis.
- First Targeted Mortgage Backed Security (MBS)
- New Form of Bank Equity
- First Social Impact Bond: World Bank Faith-based Microfinance Bond, 2001.
- Global Market Turmoil Graphic
- Financial Crisis Timeline Calendar Graphic
- Microcredit Stock Exchange (first crowdfunding) developed in 2002.
- Influencing the creation of a law in Texas to allow crowdfunding.
- Research
- Blog
- Contract Documents and Reference Letters
- CalPERS Diversity Investing Contract Notice
- CalPERS Corporate Governance Consultant Contract Notice
- CalPERS Non-Fiduciary Investment Consultant Contract Notice
- Pacific Gas and Electric Reference
- Pacific Gas & Electric Project
- ELCA Board of Pensions and Washington Gas Light Project review letter
- Interfaith Center for Corporate Responsibility (ICCR) Reference for CalPERS
MinorityBank & MinorityFinance Pages
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In The News
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- MinorityFinance.com Homepage
- Minority and Women-owned Company Small Business Financing Guide
- Minority and Women-owned Company Small Business Financing Workbook
Commentary
Black Enterprise/BankThink/Morning Consult
- Trumpism
- Why the Fed's COVID-19 Policy Actions Must Be Inclusive of Black Communities
- The Fed's COVID-19 Policy Actions are Treating the Symptoms, not the Problem
- BLACK LIVES MATTER: CORPORATE AMERICA HAS PLEDGED $1.678 BILLION SO FAR. June 10, 2020.
- Regulating Facebook's Libra is a waste of time
- Time to clean house at Wells Fargo
- Cryptocurrency regulation is a job for Treasury
- SEC takes jab at startups while leaving the big banks alone
- Why #BankBlack Falls Short
- To Stop Next Crisis, Make S&P Own Up to Fraud in Settlement.
- Appeals Court Ruling in Citi Case Is a Gift to Big Banks.
- 'Minority' Bank Designation Has Become Meaningless.
- After Wrecking the Housing Market, Goldman Sachs now Profits.
- Maxine Waters Is No Wild-Eyed Radical.
- Regulators at Senate Bitcoin Hearing Missed Opportunity to Protect Public.
Washington Post
- Commentary: Judges shouldn’t be rubber stamps
- Commentary: Crowdfunding can provide new financing option for minority firms
- Commentary: New law a boon for women- and minority-owned firms
Regulatory Comments
- Warning to the US Securities and Exchange Commission (SEC) about the Nigerian Letter Scam. Response from the SEC. July 9, 1993.
- Government of the United Kingdom. Consultation on Changes to Investment Regulations. April 22, 2015.
- Testimony to the Norwegian Pension Fund. February 5, 2015.
- Government of Hong Kong. Comments on the Environmental, Social and Governance Reporting Guide. September 18, 2015.
- Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. February 7, 2014
- Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment. RIN 3064-AC97. Sept. 10, 2007.
- Comments on Proposed Rule: Executive Compensation and Related Party Disclosure. [Release Nos. 33-8655; 34-53185; IC-27218; File No. S7-03-06]. Apr. 20, 2006.
- Re-proposed Rules for Nationally Recognized Statistical Rating Organizations (large rating agencies). [Release No. 34-59343; File No. S7-04-09]. Apr. 8, 2009.
- Fully Adjusted Return ® Methodology predicting system-wide economic and market failure (see page 6). December 22, 2003.
- Fully Adjusted Return ® Methodology confirms system-wide economic and market failure was a growing possibility. (See page 2). February 6, 2006.
- Fully Adjusted Return ® Methodology foreshadowing and predicting the rise of cryptocurrencies. October 5, 2006.
- Comments of William Michael Cunningham, Social Investment Adviser, William Michael Cunningham and Creative Investment Research, Inc., December 8, 2003 (File name: s71903-258.pdf)
- August, 2009 - Creative Investment Research Challenge to the US Securities and Exchange Commission (SEC). UN Principles for Responsible Investment (UN PRI)
Online Classes and Books
- How to Finance a Black Women-owned Business
- Opportunity Zones Explained
- Stock, Bond and Mutual Fund Investing
- How To Crowdfund
- The JOBS Act: Crowdfunding Guide to Small Businesses and Startups 2nd ed. Edition
- The JOBS Act: Crowdfunding for Small Businesses and Startups Paperback - October 2, 2012
- Top 50 Crowdfunding Campaigns: Fifty Most Successful Crowdfunding Campaigns Kindle Edition
Minority Bank Lists
Videos
- Can Black People Survive COVID-19
- Black Wealth 2019
- Equity Crowdfunding
- Conflicts of Interest in the Provision of Investment Advice. Aug. 13, 2015.
- DC City Council Race - Analysis, Apr 10, 2016.
- Current Trends in Crowdfunding, Sept. 15, 2015.
- The World Bank, Race and Africa. Oct 12, 2017.
- Economics and Fairness, Apr 18, 2016.
- Talk about Black Wealth at the Congressional Black Caucus, Sep 19, 2018.
- Digital Money in Africa...and SE, Washington, DC. Jul 23, 2017.
- Blockchain for Social Impact. Nov 9, 2018.
- IRS Hearing on Opportunity Zones. Feb. 14, 2019.
- IRS Hearing on Proposed Opportunity Zone Regulations, July 9, 2019.
Minority Bank Research
- MinorityBank.com
- HR 41 - Black Bank Rescue Act
- Black Banks in New Orleans - Page from the Minority Bank Monitor, 2005.
- East West Securities - Minority Broker Monitor Report, 2005.
- Wall Street Investment Corporation - Black Brokerage Firm Report from the Minority Broker Monitor, 1994.
- MinorityFinance.com
- Black Banks after the LA Riots. Wall Street Journal. Friday, August 21, 1992. Page B1.
- More on Carver Federal. Crain's New York Business. Monday, September 26, 1994
- Business and Basketballl. Liz Wolf/Special to the Twin Cities Finance & Commerce Newspaper. March 5, 2004.
- SECURITY BACKED EXCLUSIVELY BY MINORITY LOANS. The American Banker. Friday, December 2, 1994
- WORRIES ON 3 BLACK-OWNED LENDERS IN NEW ORLEANS. Tuesday, December 13, 2005 by Damian Paletta.
- RETURNS BETTER, GROWTH STILL STRONG AT MINORITY BANKS. The American Banker. Wednesday, September 21, 2005.
- PAN PACIFIC BETS ON ASIAN COMMUNITY. By Matthew Bunk FREMONT, BUSINESS WRITER. Inside Bay Area - Oakland Tribune October 26, 2005
- A Bank Rebuilds - Tellers Are on the Front Line of the Recovery in New Orleans. Summary of an article appearing in the New York Times. November 5, 2005
- METROBANK, A SMALL, ASIAN-AMERICAN BANK IN HOUSTON. The Wall Street Journal. Monday, January 15, 1996. Page A1. New York, NY.
- FANNIE MAE TO INCREASE FOUNDATION ASSETS. The Washington Post. Thursday, December 28, 1995. Page A1.
- NEW FORM OF BANK EQUITY TIED TO LENDING. The American Banker. April 5, 1994. Page 5.
- W.R. LAZARD. Investment Dealers' Digest March 20, 1995. Page 14.
- BLACK ENTERPRISE FIXED INCOME ROUNDTABLE. Black Enterprise Magazine. April 1995. Page 80.
- FEDERAL RESERVE BOARD STUDY SAYS BANKS DO NOT DISCRIMINATE AGAINST MINORITY APPLICANTS. The American Banker. January 25, 1995. Page 1.
- MINORITY BANK EFFORTS TO GET FINANCING FROM MAJORITY-OWNED BANKS. The Wall Street Journal. Wednesday, December 16, 1992.
- A SHAKY PILLAR IN HARLEM: BLACK-OWNED CARVER BANK IS RESISTANT TO PROFITABILITY AND CHANGE. From the New York Times, Sunday, July 11, 1999. Page C-1.
- FOUNDERS NATIONAL BANK OF LOS ANGELES. Wall Street Journal, 4/29/98.
- BANKING REGULATORS CLOSED SOUTH CAROLINA'S ONLY MINORITY-OWNED BANK. March 30, 1999. American Banker Newspaper.
- OCC CLOSES PEOPLES NATIONAL BANK OF COMMERCE, MIAMI. From an FDIC Press Release dated 9-10-99.
- GRIGSBY BRANDFORD. Associated Press. Wednesday, October 2, 1996 6:27 pm EDT
- Predicting the Financial Crisis: The First Bank Failure of 2008. US News and World Report. January 28, 2008. 1:55 pm EDT
- Central Bank (was) the only Tampa Bay area bank listed as a minority depository institution by the FDIC because the majority of its directors are Asian Americans.
- A partnership between Tom Barrack's Colony Capital LLC and a minority-owned investment firm won the bidding for a $1.85 billion portfolio of distressed commercial real-estate loans auctioned off by the Federal Deposit Insurance Corp.
- With public sentiment running so hard against the banking industry these days the story of Dwelling House Savings and Loan Association, a $13.4 million minority-controlled mutual in Pittsburgh, is nothing short of amazing.
- Top Women, Minority Brokerage Firms, 2006
- Black-Owned Bank Draws Big Names, With Bigger Plans
- Black owned bank has few urban loans. OneUnited sought aid as community 'beacon.' March, 2009.
- March, 2006 - Robert L. Johnson, the founder and former chief executive of Black Entertainment Television, said yesterday that he acquired a tiny Florida savings and loan and plans to move it to Washington to use as the springboard for a large consumer financial services company aimed at black customers.
- April, 2006 - Robert Johnson, who left BET in January and now owns RLJ Cos., announced last month that he is starting a bank. Urban Trust Bank will be geared mainly toward African-Americans and other minorities, providing mortgages, investment opportunities, student loans and other banking options.
- September, 2012- Minority Contracting and the Offices of Minority and Women Inclusion (OMWI).
- Oct. 2013. Industrial Bank, D.C.’s last African American-owned bank, receives $1M investment
- Feb., 2015. The country’s last black-owned banks are in a fight for their survival
Amicus Briefs
- Mozilla Corporation vs. the Federal Communications Commission (net neutrality). (U.S. Ct of Ap for the District of Columbia Circuit.)
- National Association of Fixed Annuities (NAFA) vs. the Department of Labor. (16-cv-1035).
- Met Life v Financial Stability Oversight Council (FSOC) (16-5086).
- Galvin v SEC (15-1150)
- US vs. McGraw-Hill Companies, Inc., and Standard & Poor’s Financial Services LLC, et. al. (US District Court, Central District CA).
- SEC vs. Citigroup (2nd Cir Ct of Ap)