The digitization of residential energy—aided by the digitalization of information about energy usage—has spurred a revolution in energy-efficiency investments and helped…
Dr. Martín recently testified in a House Financial Services Committee hearing, "How Do We Encourage Greater Flood Insurance Coverage in America?". He reviewed the challenges…
Carlos Martín, Michael Bueno, Michael Johnson, Francisco Montes, Riordan Frost
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January 31, 2023
Property improvement assistance programs often benefit renters last and least. Low-income renters, especially those living in small multifamily properties (those with 2-4…
Yonah Freemark, Riordan Frost, Carlos Martín, Jorge Morales-Burnett, Francisco Montes
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January 20, 2023
The 2021 Infrastructure Investment and Jobs Act (IIJA) is the largest single investment in the United States' public works in decades. Over the next five years, it will fund…
The greatness of our nation’s physical infrastructure (buildings, transportation systems, communication networks, water systems, etc.) is matched by its massive economic…
Managed by the US Department of Housing and Urban Development, the Community Development Block Grant Disaster Recovery (CDBG-DR) fund helps cities, counties, and states…
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…
UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…