In 2012, the government of Colombia launched a national program to provide 100,000 free housing units to the country’s poorest residents, including some of the more than six…
How are neighborhood communities created when the government provides free housing to a specific population? The paper examines the formation processes of displaced…
Around the world, mayors and other urban officials confront significant obstacles when they try to use investments in social housing to help make their cities more inclusive…
Governing authorities in cities around the world are facing challenges to incentivize compact and more inclusive cities through investments in social housing. This paper…
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…