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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…

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…

W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…

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…

It has long been argued that promoting homeownership among low-income households is worthwhile because owned housing may be an important source of savings for these families…

Despite an unprecedented boom in homeownership that added seven million net new owners between 1994 and 1999 and drove the homeownership rate nearly three percentage points…

W01-9: As metropolitan areas sprawl to greater and greater distances from traditional city centers, smart growth has captured the attention of the press, electorate, and…

W01-8: Each year the federal government spends approximately $6 billion to rehabilitate the housing stock, which leverages a similar amount of spending from the private…

This report summarizes the information and opinions gleaned from these discussion groups. It is part of a larger study of the effectiveness of the CRA undertaken by the Joint…