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With interest rates ticking upward in 2018 and the prospect of further rate increases to come, the era of historically-low mortgage rates may be ending. While many homeowners…

This framing paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard…

Residential segregation by race and ethnicity is a longstanding challenge in the United States, with the racial and economic geography of communities throughout the nation…

Following the rise and fall in the homeownership rate over the past two decades, considerable uncertainty exists about the future trajectory of the homeownership rate. This…

UCC08-17: In this paper, I review the trajectory of consumer credit reforms in France and the United Kingdom. Through a period of significant regulatory reform intended…

W05-9: Efforts to promote low-income homeownership have intensified over the past ten years. Under both regulatory and market pressures, the mortgage finance industry…

In November 1999, President Clinton signed into law financial modernization legislation (referred to herein as the Financial Modernization Act (FMA)), perhaps the most…