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This study provides new evidence on the effectiveness of the Community Reinvestment Act (CRA) on small business lending by focusing on a sample of neighborhoods with changed…

This paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard Joint…

The papers from the third panel of the Joint Center’s symposium on A Shared Future: Fostering Communities of Inclusion in an Era of Inequalityfocus on policies that might…

Today, when more than one in three American households live in rental housing, ongoing erosion in renter incomes combined with ever rising rents has pushed the number of…

HBTL-09: Dual mortgage markets are a direct descendent of key policy responses to the Great Depression.  Prior to the Depression, nearly all mortgages were five-…

End of year festivities and Congressional budget deliberations in 2012 unfortunately diverted attention away from the critical task of ensuring that all Americans have access…

During the past decade, the housing finance system contributed to a boom-and-bust cycle that triggered the greatest economic crisis since the 1930s. A brief but…

W12-2: This paper focuses on four critical policy challenges in the area of housing finance that were developed with input from the What Works Collaborative during the…

UCC08-9: The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between…

For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…