LUCY S. GORHAM

UNC Center for Community Capital • College of Arts and Sciences • The University of North Carolina at Chapel Hill

1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452

(919) 843-3976•

Education:

1998Massachusetts Institute of Technology: Ph.D., Urban Studies and Planning.

1984Massachusetts Institute of Technology: M.A., Urban Studies and Planning.

1977Stanford University, B.A. Human Biology.

Graduate Fellowships:

American Association of University Women, 1990.

National Science FoundationGraduate Fellowship, 1982.

Professional Experience:

2014 – CurrentExecutive Director, Center for Community Capital, University of North Carolina at Chapel Hill

2012 – 2014Senior Research Associate, Center for Community Capital, University of North Carolina at Chapel Hill

2003 – 2012Senior Program Director for Asset Building Programs,

MDC,Durham, N.C.

2001 – 2003Senior Research Associate,University of North Carolina at Chapel Hill, Center for Urban and Regional Studies

1986 – 2001Independent Consultant and Researcherfor the following:

  • University of North Carolina at Chapel Hill, Center for Urban and Regional Studies
  • University of North Carolina at Chapel Hill, Office of Economic Development
  • North Carolina Rural Prosperity Task Force, North Carolina Department of Commerce
  • Ford Foundation and Aspen Institute for Humanistic Studies
  • Economic Policy Institute, Washington D.C.

2/91-10/94Professional Staff Member, Joint Economic Committee, United States Congress.

12/85-6/86Director of Human Resources Planning and Policy, Council of State Policy and Planning Agencies, Washington, D.C.

6/84-12/85Professional Staff Member for Economic Policy, U.S. Congress, House Subcommittee on Intergovernmental Relations and Human Resources.

6/83-9/83Research Fellow, Legislation and Economic Policy, Industrial Union Department, AFL-CIO, Washington, D.C.

7/77-3/82Director, Neighborhood Technology Program, Seattle, Washington.

Additional Experience:

2014 – CurrentAdvisory Committee, Financial Coaching Pilot Project, National Association of Community Development Credit Unions and Neighborhood Trust Financial Partners.

2014 – CurrentAdvisory Committee, Upward to Financial Stability pilot with the National Disability Institute.

2012 – CurrentNational Steering Committee, Corporation for Enterprise Development (CFED) Assets and Opportunity Network.

2012 – CurrentResearch Fellow, MDC, Durham, N.C.

2012 –2014Board of Managers, National Community Tax Coalition.

2005 – 2007Chair, Asset Building Working Group, National Community Tax Coalition.

2005– 2011Steering Committee Member, National Community Tax Coalition.

2008– CurrentBoard Member, IDA and Asset Building Collaborative of North Carolina.

2006 – CurrentSteering Committee Member, North Carolina Assets Alliance.

2004– CurrentBoard Member, Center for Economic Justice.

1/99-6/99Adjunct Professor, University of North Carolina at Chapel Hill,

Curriculum in Public Policy Analysis.

9/87-12/87Course Instructor, Department of Urban Studies and Planning, MIT.

PUBLICATIONS

Dorrance, Jessica and Lucy Gorham. 2016. Iteration to Impact: Insights from the PayGoal Product Journey. UNC Center for Community Capital Research Report.

Dorrance, Jessica, Robert Donnelly and Lucy Gorham. 2015. “Impulse Savings: Evaluating the Impacts of MAGIC Mojo.” UNC Center for Community Capital Research Brief.

Grinstein-Weiss, Michal, Blair Russell, Lucy Gorham, and Clinton Key. 2014. “Homeownership and Wealth among Low-Income Young Adults: Evidence from the Community Advantage Program.” Paper presented at the Federal Reserve Bank of St. Louis Symposium - The Balance Sheets of Younger Americans: Is the American Dream at Risk?

Bowdler, Janis and Lucy Gorham. 2014. “All In: Building the Path to Global Prosperity through Financial Capability and Inclusion.” UNC Center for Community Capital and JPMorgan Chase. May, 2014.

Dorrance, Jessica, Lucy Gorham, Kate Mitchell and Michael Schultz. 2013.“Supporting Savings in North Carolina: Lessons from National Asset Building Programs.” UNC Center for Community Capital Policy Brief.

Manturuk, Kim, Lucy Gorham and Jessica Dorrance. 2013. “The Importance of Tax Time for Building Emergency Savings: Major Findings from the $ave NYC Program.” UNC Center for Community Capital Research Brief prepared for the Ford Foundation and the New York City Department of Consumer Affairs Office of Financial Empowerment.

Gitterman, Daniel, Lucy Gorham and Jessica Dorrance. 2008. “Expanding the EITC for Single Workers and Couples WithoutChildren: Tax Relief for All Low-Wage Workers.” Georgetown Journal of Poverty Law and Policy, Volume XV, Number 2, Fall.

Quercia, Roberto G.; Lucy Gorham, and William B. Rohe. 2006. Sustaining Homeownership: The Promise of Post-Purchase Services. Housing Policy Debate 17(2): 309-339.

Rohe, William B.; Lucy Gorham; and Roberto G. Quercia. 2005. Individual Development Accounts: Participation Characteristics and Success. Journal of Urban Affairs 27(5): 503-20

Gorham, Lucy, Roberto Quercia, William M. Rohe, and Jonathan R. Toppen. 2002. “Low Income Families Building Assets: Individual Development Account Programs Lessons and Best Practices.” Center for Urban and Regional Studies, University of North Carolina at Chapel Hill.

Luger, Michael I., Lucy Gorham and Brian Kropp. 1999. “Worker Dislocation in North Carolina: Anatomy of the Problem and Analysis of Policy Approaches.” Office of Economic Development, University of North Carolina at Chapel Hill.

Harrison, Bennett and Lucy Gorham. 1992. "Growing Inequality in Black Wages in the 1980s and the Emergence of an African-American Middle Class." Journal of Policy Analysis and Management, vol. 11 no. 2, February.

Harrison, Bennett and Lucy Gorham. 1992. "Husbands and Wives Labor Market Roles and Family Income Inequality in the 1980s." Paper presented at the annual meeting of the American Statistical Association, Boston, Massachusetts.

Price, Lee and Lucy Gorham. 1992. "Families on a Treadmill: Work and Income in the 1980s." Staff study for the Joint Economic Committee of the U.S. Congress, Washington, D.C.

Harrison, Bennett and Lucy Gorham. 1992. "What Happened to African-American Wages in the 1980s?" In The Metropolis in Black and White: Place, Power and Polarization, Edward Hill and George Galster, eds., Center for Urban Policy Research/Rutgers University Press.

"The Growing Problem of Low Wages in Rural Areas." 1992. In Rural Poverty in America, Cynthia M. Duncan, editor. Auburn House, New York.

Price, Lee and Lucy Gorham. "Families: Working Longer Hours for Limited Gains." 1992.CHOICES, the American Agricultural Economics Association, first quarter.

"The Slowdown in Nonmetropolitan Development: The Impact of Economic Forces and the Effect on the Distribution of Wages." Proceedings of the Conference on Population Change and the Future of Rural America, Wye Plantation, Maryland, June 1, 1991.

Harrison, Bennett and Lucy Gorham. "What Happened to Black Wages in the 1980s? Family income, individual earnings, and the growth of the African-American Middle Class.”. Paper presented to the meetings of the Eastern Economics Association, February 1991.

Gorham, Lucy and Bennett Harrison. “Working Below the Poverty Line: The Growing Problem of Low Earnings in Rural and Urban Areas and Regions Across the United States.” Ford Foundation and Aspen Institute for Humanistic Studies, Washington, D.C., 1990.

Harrison, Bennett and Lucy Gorham. "The Changing Incidence of 'Working Poverty' in U.S. Urban and Rural Regions: 1969-1987." Working Paper 90-20, School of Urban and Public Affairs, Carnegie Mellon University, July 1990.

Gorham, Lucy and Bennett Harrison. "Industrial Restructuring and the Growth of Low Wage Work in the Rural U.S." Working Paper, School of Urban and Public Affairs, Carnegie Mellon University, October 1990.

Harrison, Bennett and Lucy Gorham. "The Determinants of Low Wage Work in the Nonmetropolitan U.S." Working Paper, School of Urban and Public Affairs, Carnegie Mellon University, December 1990.

"The Increasing Incidence of Low Earnings Among Women Workers." Proceedings of the First Annual Policy Research Conference, Institute for Women's Policy Research, Washington, D.C., May 1989.

"The Boom in Low-wage Jobs: Options for a Public Policy Response," background paper for the Economic Policy Institute, Washington, D.C., March 1987.

No Longer Leading: A Scorecard on U.S. Economic Performance and the Role of the Public Sector Compared with Japan, West Germany, and Sweden, Economic Policy Institute, Washington, D.C. December, 1986.

"Opportunities for Self-Sufficiency for Women in Poverty" (with Susan Steinmetz). Report of the House Subcommittee on Intergovernmental Relations and Human Resources, U.S. Congress. Washington, D.C., 1985.

"Federal and State Roles in Economic Stabilization". Report of the House Subcommittee on Intergovernmental Relations and Human Resources, U.S. Congress. Washington D.C., 1985.

"Storm Clouds on the Horizon: Labor Market Crisis and Industrial Policy," (with Bennett Harrison and Barry Bluestone). Harvard University, John F. Kennedy School of Government Series on Industrial Policy, No. 2, Spring 1984.

"Employment Trends in the Services Economy," in Economic Dislocation and Job Loss, Betty Lall, editor, Cornell University Press, 1985.