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.…
W04-4: Since 1998 the Joint Center for Housing Studies at Harvard University, through its Remodeling Activity Indicator (RAI), has been releasing quarterly estimates of…
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…
Household’s net-worth increase at the end of the 1990’s had an effect on home remodeling financing. Using the 2001 Consumer Practices Survey (CoPS) this paper analyzes the…
This paper is divided in two sections. The first part describes the two-step allocation process, including the MLP model estimation for missing doers and the description of…
Home improvement projects have a significant impact on the housing stock, affecting housing values and improving the standard of living. Also, the home improvement industry…