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With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…

Over the years, with the approval of their regulator/conservator, the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the GSEs) put in place an opaque…

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…

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…

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…

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…

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…