Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…
UCC08-17: In this paper, I review the trajectory of consumer credit reforms in France and the United Kingdom. Through a period of significant regulatory reform intended…
BABC 04-10: Spending financed by home equity extraction helps smooth household consumption and bolster the economy in economic downturns, but may reduce wealth…