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…
RR07-2: Where the poor live and why has an enormous impact on access to jobs, decent quality schools, and other local attributes that affect a family’s ability to rise…
BABC 04-9: This paper examines forces that are reshaping the mortgage banking industry and the ongoing efforts of community-based organizations (CBOs) to expand access…
Using data from the 1998 Survey of Consumer Finances (SCF), this paper estimates homeownership rates that would prevail in the United States if borrowing constraints were…
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…