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Publications:
Finance
Working Papers and Reports: Meeting Multifamily Housing Finance Needs During and After the Credit Crisis: A Policy Brief Borrowing to Live:
Consumer and Mortgage Credit Revisited Nicolas P. Retsinas W08-7: Housing Wealth Effects and the Course of the US Economy: Theory, Evidence, and Policy Implications Eric S. Belsky W08-4: The Use of Social Capital in Borrower Decision-Making Cassi L. Pittman UCC08-1: Consumer and Mortgage Credit at a Crossroads: Preserving Expanded Access while Informing Choices and Protecting Consumers Eric S. Belsky and Ren S. Essene (Joint Center for Housing Studies of Harvard University) UCC08-2: Financial Decision Making Processes of Low-Income Individuals Edna R. Sawady (Market Innovations, Inc.) and Jennifer Tescher (Center for Financial Services Innovation) UCC08-3: Where Does it Go? Spending by the Financially Constrained Shawn Cole (Harvard Business School), John Thompson (H&R Block), and Peter Tufano (Harvard Business School) UCC08-4: Fair Lending Testing: Best Practices, Trends and Training Paul C. Lubin (Informa Research Services) UCC08-5: The Legal Infrastructure of Subprime and Nontraditional Home Mortgages Patricia A. McCoy (University of Connecticut) and Elizabeth Renuart (National Consumer Law Center) UCC08-6: Imperfect Information and the Housing Finance Crisis Edward Golding (Freddie Mac), Richard K. Green (The George Washington University), and Douglas A. McManus (Freddie Mac) UCC08-7: Enlisting Market Mechanisms to Police the Origination of Home Mortgages Howell E. Jackson (Harvard Law School) UCC08-8: The Impact of Credit Price and Term Regulations on Credit Supply Mike Staten (The George Washington University) UCC08-9: The Impact of State Anti-Predatory Lending Laws: Policy Implications and Insights Raphael W. Bostic (University of Southern California), Kathleen C. Engel (Cleveland State University), Patricia A.McCoy (University of Connecticut), Anthony Pennington-Cross (Marquette University), and Susan M. Wachter (University of Pennsylvania) UCC08-10: Should Consumer Disclosures Be Updated? Thomas A. Durkin (Federal Reserve Board) UCC08-11: Financial Literacy: An Essential Tool for Informed Consumer Choice? Annamaria Lusardi (Dartmouth) UCC08-12: Behaviorally Informed Home Mortgage Credit Regulation Michael Barr (University of Michigan), Sendhil Mullainathan (Harvard University), and Eldar Shafir (Princeton University) UCC08-18: Helping Consumers Make Better Mortgage Choices (forthcoming) Bill Apgar and Ren S. Essene (Joint Center for Housing Studies of Harvard University) UCC08-13: Using Financial Innovation to Support Savers: From Coercion to Excitement Peter Tufano (Harvard Business School) and Daniel Schneider (Princeton University) UCC08-14: Identifying, Managing and Mitigating Risks to Borrowers in Changing Mortgage and Consumer Credit Markets Eric S. Belsky (Joint Center for Housing Studies of Harvard University), Karl E. Case (Wellesley College) and Susan J. Smith (Durham University) UCC08-15: Interventions in Mortgage Default: Policies and Practices to Prevent Home Loss and Lower Costs Amy Crews Cutts and Bill Merrill (Freddie Mac) UCC08-16: Looking Beyond Our Shores: Consumer Protection Regulation Lessons from the UK Elaine Kempson (University of Bristol) UCC08-17: Consumer Protection in French and British Credit Markets Gunnar Trumbull (Harvard Business School) MM07-2: Mortgage Market Channels and Fair Lending: An Analysis of HMDA Data William Apgar, Amal Bendimerad and Ren S. Essene MM07-1: Understanding Mortgage Market Behavior: Creating Good Mortgage Options for all Americans Ren S. Essene and William Apgar W07-1: Growing Wealth, Inequality, and Housing in the United States Zhu Xiao Di W05-11: The Dual Mortgage Market: The Persistence of Discrimination in Mortgage Lending William C. Apgar and Allegra Calder W05-9: The Financial Returns to Low-Income Homeownership Eric S. Belsky, Nicolas P. Retsinas & Mark Duda W05-8: Housing Wealth and Retirement Savings: Enhancing Financial Security for Older Americans William C. Apgar and Zhu Xiao Di W05-2: Houses, Apartments, and Property Tax Incidence Jack Goodman W05-1: Emerging Cohort Trends in Housing Debt and Home Equity George S. Masnick, Zhu Xiao Di, and Eric S. Belsky W04-13:
Housing Wealth Effects:
Housing’s Impact on Wealth Accumulation, BABC: Building Assets, Building Credit: Symposium Proceedings CCC04-1: Credit, Capital and Communities: The Implications of the Changing Mortgage Banking Industry for Community Based Organizations William Apgar, Allegra Calder, and Gary Fauth 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 (NeighborWorks America) 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
04-16: Progressivity
and Government Incentives to Save Peter Orszag (Brookings
Institution) and Robert Greenstein (Center on Budget and Policy
Priorities) W03-8:
Housing Wealth and Household
Net Wealth in the United States: W03-5:
The Importance of Housing
to the Accumulation of Household Net Wealth W03-2: Essential Function Bonds: An Emerging Tool for Affordable Housing Finance William Apgar and Emily Whiting W02-11: An Examination of Manufactured Housing as a Community- and Asset-Building Strategy William Apgar, Allegra Calder, Michael Collins. Mark Duda W02-5: Housing Finance in the United States: The Transformation of the U.S. Housing Finance System; Kent W. Colton W02-2:
Intergenerational Wealth
Transfer and Its Impact on Housing; W01-1: Multifamily Housing in the 21st Century; Kent Colton and Kate Collignon. BI01-1: The Impact of Changes in Multifamily Housing Finance on Older Urban Areas; Ann Schnare. W00-2: The SOFOLES: Niche Lenders or New Leaders in the Mexican Mortgage Market?; Natalie Pickering. W00-3: The Mexico Mortgage Market: Booms, Bust and Bail Out; Natalie Pickering. W99-7: Estimating the Economic Impacts of Community Lending; Michael Collins, Eric S. Belsky, and Micky Tripathi. W99-10: Expiring Affordability of Low-Income Tax Credit Properties: The Next Era in Preservation; Katherine Collignon. W99-11: Understanding Predatory Lending: Moving Towards a Common Definition and Workable Solutions; Deborah Goldstein. |