John Campbell, Howell Jackson, Brigitte Madrian, Peter Tufano
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August 31, 2010
MF10-12: The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address…
UCC08-13: In this paper, we review a wide variety of programs that are used to support savings by families, in particular by low- and moderate-income families. These…
Shawn Cole, John Thompson, Peter Tufano
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February 1, 2008
UCC08-3: In this paper, we analyze the spending decisions of over 1.5 million Americans who vary in their degree of revealed credit constraints. Specifically, we analyze…
Julia Lane, Ned English, Fredrik Andersson, Patrick Park
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March 1, 2007
RR07-17: U.S. rental housing policy is primarily aimed at relieving the housing cost burdens of a fraction of low-income Americans for as long as they remain income-…
Eric Belsky, Nicolas Retsinas, Mark Duda
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September 9, 2005
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…
Mark Duda, Xiulan Zhang, Mingzhu Dong
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July 1, 2005
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…
William Apgar, Allegra Calder, J. Michael Collins, Mark Duda
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November 30, 2002
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…
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…
