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Creative Investment Research

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Washington, District of Columbia - 20001 United States
Phone: 2024550430
Creative Investment Research

The firm creates new financial instruments and issues highly accurate economic forecasts:

On November 16, 1995, we launched one of the first investing websites.

We designed one of the first mortgage security backed by home mortgage loans to low and moderate income persons and originated by minority-owned institutions. (See: Security Backed Exclusively by Minority Loans, The American Banker. Friday, December 2, 1994. Online at

We issued the following warnings and forecasts:

– On July 3, 1993, we warned US Securities and Exchange Commissioner (SEC) Mary Schapiro about the "Nigerian letter” scam.

– In October 1998 at the Court of Appeals for the DC Circuit, we opposed to the Citigroup/Travelers merger.

– On June 15, 2000, we testified before the House Financial Services Committee of the US Congress, suggesting Fannie Mae and Freddie Mac be subject to a thorough “Social and Ethical Audit.”

– On December 22, 2003 and February 6, 2006, we warned regulators that his Fully Adjusted Return ®Methodology signaled the probability of system-wide economic and market failure.


Mr. Cunningham has been recognized as an expert in banking, financial regulation and impact investing by several Federal Courts, having served as Amicus Curiae, or "Friend of the Court," in the US Court of Appeals for the District of Columbia Circuit, the US District Court, Central District of California, and the US Court of Appeals for the Second Circuit.

Operating philosophy

Our independence is critical. We have, over the years, observed a growing lack of objectivity in the financial markets. This lack of objectivity is less important during times of increasing asset values, but we believe independence and the objectivity it allows will become important when markets stumble.

Investment Performance

We believe it possible to create investments and portfolios that perform well financially and that address social concerns. We have uncovered many investment opportunities of this type.

New Tools

We have developed several new social or targeted investment instruments and methods. Given recent developments in information technology, it is much easier to create very powerful analysis tools to assist investment decision making. These tools and techniques allow institutional investors to allocate funds for targeted social purpose investing in an ERISA complaint, market-based manner.

William Michael Cunningham to speak at National Science Foundation sponsored crowdfunding workshop

William Michael Cunningham to speak at National Science Foundation sponsored crowdfunding workshop

The National Science Foundation is "convening a workshop to examine crowdfunding in science, both as a social phenomenon and as a practical way of raising funds to support STEM research." The workshop "will bring together a variety of stakeholders, including…

William Michael Cunningham to speak at the “Future is Now” Black Business Forum

Economist William Michael Cunningham, founder of Creative Investment Research, will discuss the climate, condition, and trends for African American businesses in Texas. RSVP at Investment Research (CIR) produces high social return investments and research. Founded in 1989, the firm…


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