Michael Stegman, Richard Cooperstein
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October 9, 2019
With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…
Evidence is accumulating that the multiple layers of exclusionary zoning and land use controls are a powerful contributor not just to higher housing costs, but also to…
Roberto Quercia, Michael Stegman, Walter Davis, Eric Stein
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October 1, 2001
The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…
This paper is the first to give a detailed account of the variation of behavior across a large set of U.S. locations. Aside from a few articles that use simple variables to…
W00-5: The stock of residential units in the United States is constantly changing as units are added, demolished, or converted. This paper looks at the conversion of…