Justin Kollar, Niko McGlashan, Sarah Williams
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September 7, 2023
The use of data in urban development is controversial because of the numerous examples showing its use to reinforce inequality rather than inclusion. From the development of…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…
BABC 04-10: Spending financed by home equity extraction helps smooth household consumption and bolster the economy in economic downturns, but may reduce wealth…
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,…