MF10-9: The Community Reinvestment Act (CRA) is in need of a major overhaul. Much about the financial services industry has changed and much has been learned about the…
W04-10: Differences in the supply of housing generate substantial variation in housing prices across the United States. Because housing prices influence migration, the…
This paper examines trends in prime-market mortgage lending to low- and moderate-income families and to families living in underserved areas, hereafter affordable lending,…