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Working Papers

Behaviorally Informed Home Mortgage Credit Regulation

Michael Barr, Sendhil Mullainathan, Eldar Shafir • April 1, 2008

UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
Working Papers

Constant Quality Rent Indexes for Affordable Housing

Jack Goodman • June 30, 2005

W05-4: This paper develops and applies a method for producing constant quality rent indexes and inflation estimates for different segments of the rental housing stock.…
Working Papers

Houses, Apartments, and Property Tax Incidence

Jack Goodman • February 15, 2005

W05-2: The property tax on housing is a major component of local government revenues and of consumers’ housing costs. This study uses newly available data from the 2001…
Working Papers

Institutions and Inclusion in Saving Policy

Michael Sherraden, Michael Barr • February 15, 2004

BABC 04-15: Low- and moderate-income households save for routine payments, such as rent, as well as for major purchases, such as a washing machine or a car. Saving also…
Working Papers

Refinance and the Accumulation of Home Equity Wealth

Frank Nothaft, Yan Chang • February 10, 2004

BABC 04-10: Spending financed by home equity extraction helps smooth household consumption and bolster the economy in economic downturns, but may reduce wealth…