Stephanie Moulton, Roberto Quercia
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October 26, 2013
HBTL-10: State Housing Finance Agencies (HFAs) entered the homeownership policy scene in the early 1970s through the sale of tax-exempt mortgage revenue bonds, which…
MF10-11: Consumer transactions of all kinds are heavily regulated in the US (and all other developed capitalist countries) but debates on regulation in the US are…
Shawn Cole, John Thompson, Peter Tufano
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February 1, 2008
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…
BABC 04-22: Debtor protection rules ought to influence debtor/creditor interaction at three points: postdefault pre-foreclosure negotiations, the rate of default, and…
Roberto Quercia, Spencer Cowan, Ana Moreno
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February 18, 2004
BABC 04-18: In this paper, we examine the cost-effectiveness of community-based foreclosure prevention interventions using two proxy measures: time to resolution and the…
Roberto Quercia, Michael Stegman, Walter Davis, Eric Stein
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October 1, 2001
The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…