UCC08-10: In May 2008, the Truth in Lending Act (TIL), Title I of the Consumer Protection Act of 1968 (Public Law 90-321, May 29, 1968), reaches its fortieth birthday.…
RR07-2: Where the poor live and why has an enormous impact on access to jobs, decent quality schools, and other local attributes that affect a family’s ability to rise…
BABC 04-7: Little systematic work exists to address the many and varied ways some borrowers end up with subprime mortgages and to what extent those loans serve the true…
Using data from the 1998 Survey of Consumer Finances (SCF), this paper estimates homeownership rates that would prevail in the United States if borrowing constraints were…