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The pandemic has resulted in profound economic hardship for US households, with millions losing their jobs, facing greatly curtailed hours, or unable to work due to the need…

This working paper, produced as part of the Housing Crisis Research Collaborative, describes the results of a survey of landlords in ten cities across the US, conducted by…

As has been well documented, the financial consequences of the COVID-19 crisis have been severe, particularly for the nation’s renter households who have been more likely to…

The COVID-19 pandemic and subsequent recession have made it harder than ever for low- and moderate-income US households to pay their rent, fueling a crisis in which an…

The COVID-19 pandemic and subsequent recession have made it more difficult than ever for low- and moderate-income US renters to meet their housing payment obligations. Yet…

MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…

UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…

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…

Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…

W01-12: This paper examines social entrepreneurship from a community-development perspective. The target audience is community-development nonprofit organizations. The…