In housing and mortgage markets, the increasing ubiquity of digitalization – emerging technologies that include AI, machine learning, and other types of informational…
UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…
BABC 04-14: The 1971 federal Fair Credit Reporting Act (FCRA) was intended to promote greater accuracy in credit reporting in the United States. Inaccurate credit…
W03-2: This report summarizes the findings of a Joint Center for Housing Studies survey of the use and performance of Essential Function Bonds. The report was sponsored…