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MF10-12: The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address…

There are many causes to the collapse of the housing market and the recent financial turmoil, but the contribution of the CRA appears marginal. While banks did engage in…

UCC08-13: In this paper, we review a wide variety of programs that are used to support savings by families, in particular by low- and moderate-income families. These…

UCC08-3: In this paper, we analyze the spending decisions of over 1.5 million Americans who vary in their degree of revealed credit constraints. Specifically, we analyze…

The development of the housing sector is a strategic factor for any nation’s economic and social growth. An efficient and accessible housing market reduces the effect and…