This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…
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…
Robert Avery, Paul Calem, Glenn Canner
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February 11, 2004
BABC 04-11: Concerns about the accuracy, timeliness, and completeness of information gathered by credit reporting agencies have grown as credit evaluation and decisions…
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…
Raphael Bostic, Paul Calem, Susan Wachter
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February 5, 2004
BABC 04-5: There is a broad consensus regarding the benefits of homeownership, which include wealth accumulation and improvements along social and personal dimensions.…