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Working Papers

Renters’ Responses to Financial Stress During the Pandemic

Whitney Airgood-Obrycki, Ben Demers, Solomon Greene, Chris Herbert, Alexander Hermann, David Luberoff, Sophia Wedeen • April 8, 2021

The COVID pandemic has had a particularly large impact on the financial well-being of renters in the US, and over the past year millions have struggled to pay rent. While…
Working Papers

The Financial Returns to Low-Income Homeownership

Eric Belsky, Nicolas Retsinas, Mark Duda • 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…
Working Papers

Past Accomplishments and Future Regulatory Challenges

William Apgar, Mark Duda • March 30, 2002

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…
Working Papers

Federally Sponsored Rehabilitation Activity

Mark Duda • July 30, 2001

W01-8: Each year the federal government spends approximately $6 billion to rehabilitate the housing stock, which leverages a similar amount of spending from the private…