The boom and bust in nonprime and nontraditional mortgage lending in the United States is without precedent. The factors that fueled the boom and the way it unfolded sowed…
MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…
MF10-10: The boom and bust in nonprime and nontraditional mortgage lending in the UnitedStates is without precedent. The factors that fueled the boom and the way it…
UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…
W05-11: Efforts to promote equal access to mortgage capital by racial and ethnic minorities have historically been a key component of the civil rights agenda in the…
BABC 04-1: This paper examines the nexus between the utilization of basic financial services, ownership of a transaction account, the creation and use of credit records…
William Apgar, Allegra Calder, J. Michael Collins, Mark Duda
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November 30, 2002
W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…