Building Assets, Building Credit:
A Symposium on Improving Financial Services
in Low-Income Communities

---

BABC 04-1: Credit Matters: Low-Income Asset Building Challenges in a Dual Financial Service System
Eric Belsky and Allegra Calder (Joint Center for Housing Studies)

BABC 04-2: High and Low SES Debtors: The Use of Psychological Measures to Determine Differences
Richard L. Wiener (University of Nebraska), Karen Gross (New York Law School), Susan Block-Lieb (Fordham University), and Corinne Baron-Donovan (Graduate Center of the City University of New York)

BABC 04-3: To Bank or Not to Bank? A Survey of Low-Income Households
Christopher Berry (Kennedy School of Government at Harvard University)

BABC 04-4: From Unbanked to Homeowner: Improving the Supply of Financial Services for Low-Income, Low-Asset Customers
Ellen Seidman and Jennifer Tescher (Shorebank Advisory Services)

BABC 04-5: Hitting the Wall: Credit as an Impediment to Homeownership
Raphael W. Bostic (University of Southern California), Paul S. Calem (Board of Governors of the Federal Reserve System), and Susan Wachter (University of Pennsylvania)

BABC 04-6: Mortgage Choice: An Empirical Analysis
Using Data From 2002
Michael Lacour-Little (Wells Fargo)

BABC 04-7: Bringing Subprime Mortgages to Market and the Effects on Lower-Income Borrowers
Ira Goldstein (The Reinvestment Fund)

BABC 04-8: Exploring the Welfare Effects of Risk-based Pricing in the Subprime Mortgage Market
Chip Case (Wellesley College), Eric Belsky (Joint Center for Housing Studies), and Michael Collins (Neighborhood Reinvestment Corporation)

BABC 04-9: The Changing Industrial Organization of Housing Finance and the Changing Role of Community-Based Organizations
William C. Apgar (Joint Center for Housing Studies) and Allen Fishbein (Consumer Federation of America)

BABC 04-10: Refinance and the Accumulation of Home Equity Wealth
Frank Nothaft and Yan Chang (Freddie Mac)

BABC 04-11: Credit Information Reporting and the Practical Implications of Inaccurate or Missing Information in Underwriting Decisions
Robert B. Avery, Paul S. Calem, and Glenn B. Canner (Board of Governors of the Federal Reserve System)

BABC 04-12: The Role of Credit Scoring in Increasing Homeownership for Underserved Populations
Hollis Fishelson-Holstine (Fair Isaac)

BABC 04-13: Automated Underwriting: Friend or Foe to Low-Mod Households and Neighborhoods (DRAFT)
Susan Gates, Cynthia Waldron and Peter Zorn (Freddie Mac)

BABC 04-14: Does the Fair Credit Reporting Act Promote Accurate Credit Reporting?
Michael E. Staten (Georgetown University) and Fred H. Cate (Indiana University)

BABC 04-15: Institutions and Inclusion in Saving Policy
Michael Sherraden (Washington University) and Michael Barr (University of Michigan)

BABC 04-16: Progressivity and Government Incentives to Save
Peter Orszag (Brookings Institution) and Robert Greenstein (Center on Budget and Policy Priorities)

BABC 04-17: A Critical Examination of Financial Literacy Education (DRAFT)
George McCarthy and Kathryn Gwatkin (Ford Foundation)

BABC 04-18: The Cost-Effectiveness of Community-Based Foreclosure Prevention
Roberto Quercia (University of North Carolina at Chapel Hill), Spencer Cowan (University of North Carolina at Chapel Hill) and Ana Moreno (Family Housing Fund)

BABC 04-19: Innovative Servicing Technology: Smart Enough to Keep People in Their Houses?
Amy Crews Cutts (Freddie Mac) and Richard K. Green (George Washington University)

BABC 04-20: Modes of Credit Market Regulation (DRAFT)
Michael Barr (University of Michigan)

BABC 04-21: Federal Regulation of Credit: The Cause or the Cure for Predatory Lending?
Margot Saunders and Alys Cohen (National Consumer Law Center)

BABC 04-22: Cost Benefit Analysis of Debtor Protection Rules in Sub-prime Market Default Situations
Duncan Kennedy (Harvard Law School)

BABC 04-23: Mortgage Credit and the Evolution of Risk-Based Pricing
Frank L. Raiter and Francis Parisi (Standard & Poor's)