MF10-9: The Community Reinvestment Act (CRA) is in need of a major overhaul. Much about the financial services industry has changed and much has been learned about the…
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…
W04-10: Differences in the supply of housing generate substantial variation in housing prices across the United States. Because housing prices influence migration, the…
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…