BABC 04-10: Spending financed by home equity extraction helps smooth household consumption and bolster the economy in economic downturns, but may reduce wealth…
BABC 04-9: This paper examines forces that are reshaping the mortgage banking industry and the ongoing efforts of community-based organizations (CBOs) to expand access…
J. Michael Collins, Eric Belsky, Karl Case
•
February 8, 2004
BABC 04-8: This paper explores the shift of residential mortgage lending from a system where credit was rationed to prime quality borrowers to a system where subprime…
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…
BABC 04-6: This paper examines home purchase mortgage choice employing data from 2002. Conventional, FHA, subprime, and special programs for low-to-moderate income…
Raphael Bostic, Paul Calem, Susan Wachter
•
February 5, 2004
BABC 04-5: There is a broad consensus regarding the benefits of homeownership, which include wealth accumulation and improvements along social and personal dimensions.…
Ellen Seidman, Jennifer Tescher
•
February 4, 2004
BABC 04-4: The paper argues that five factors have contributed to narrowing the gap between supply and demand: technological advances that lower costs and expand…
BABC 04-3: Recently there has been a surge of interest in the market potential for mainstream financial service firms to serve unbanked and marginally banked consumers.…
Richard Wiener, Karen Gross, Susan Block-Lieb, Corinne Baron-Donovan
•
February 2, 2004
BABC 04-2: This paper used a psycho legal methodology, which combined empirical research with legal scholarship to study debtors in bankruptcy comparing them to a sample…
BABC 04-1: This paper examines the nexus between the utilization of basic financial services, ownership of a transaction account, the creation and use of credit records…
