W13-10: The Las Vegas case study focused on four zip codes in the Las Vegas Metropolitan Area representing low to middle-level housing market subareas (the lower three…
UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…
RR07-15: There are 18 million units in one to four unit rental housing properties in the United States, making up half of the nation’s rental housing stock, yet this…
BABC 04-14: The 1971 federal Fair Credit Reporting Act (FCRA) was intended to promote greater accuracy in credit reporting in the United States. Inaccurate credit…
Roberto Quercia, Michael Stegman, Walter Davis, Eric Stein
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October 1, 2001
The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…