UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…
Eric Belsky, Nicolas Retsinas, Mark Duda
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September 9, 2005
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…
Mark Duda, Xiulan Zhang, Mingzhu Dong
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July 1, 2005
W05-7: The paper uses data from a household survey in Beijing to explore the impact of China’s two primary homeownership-oriented housing policies: the Housing Provident…
BABC 04-14: The 1971 federal Fair Credit Reporting Act (FCRA) was intended to promote greater accuracy in credit reporting in the United States. Inaccurate credit…
Zhu Xiao Di, Yi Yang, Xiaodong Liu
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November 30, 2003
W03-5: Housing is the cornerstone of household wealth, especially for low-income households. With the growth in the U.S. homeownership rate, housing wealth is important…
William Apgar, Allegra Calder, J. Michael Collins, Mark Duda
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November 30, 2002
W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…
W02-3: This paper reviews the literature of young adults (ages 25-34) living in parental homes in regard to gender difference, racial difference, family structure…
The U.S. Congress passed the Community Reinvestment Act (CRA) in 1977 to encourage depository institutions to meet the credit needs of lower income neighborhoods. The CRA was…
W02-2: This paper examines intergenerational wealth transfer and its impact on housing. It synthesizes previous studies and findings through three perspectives: the…