Digitalization alone is not the driving force behind the changes in housing and real estate. The driving force is innovation brought to the sector by the fresh approach of…
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…
Robert Avery, Paul Calem, Glenn Canner
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February 11, 2004
BABC 04-11: Concerns about the accuracy, timeliness, and completeness of information gathered by credit reporting agencies have grown as credit evaluation and decisions…
Raphael Bostic, Paul Calem, Susan Wachter
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February 5, 2004
BABC 04-5: There is a broad consensus regarding the benefits of homeownership, which include wealth accumulation and improvements along social and personal dimensions.…