The deep ties between housing and education that foster segregation, and strategies for overcoming those ties, are the focus of four new papers released today. Originally…
Fostering inclusion in gentrifying neighborhoods (rather than opening up exclusive suburbs) is the focus of four working papers released today by the Joint Center for Housing…
The design of housing voucher programs, site selection for new subsidized units, and federal, state, and local housing programs can all encourage—or hamper—efforts to create…
What would it take to meet the 1968 federal Fair Housing Act’s requirement that federal entities use their power to “affirmatively further” fair housing? …
What would it take to make new neighborhoods, and remake old ones, so that large, complex, metropolitan areas moved decisively toward racial and economic integration? What…
How do household decisions about where to live perpetuate residential segregation, and what would it take for such choices to result in more inclusive neighborhoods? Three…
MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…
UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
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…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…