Harvard Joint Center for Housing Studies
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June 6, 2011
With employment growth strengthening, consumer spending up, and rental markets tightening, some of the ingredients for a housing recovery were taking shape in early 2011. Yet…
Harvard Joint Center for Housing Studies
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December 1, 2010
This paper synthesizes the symposium proceedings, drawing upon the presentations and discussion at the event as the well as the papers themselves. Rather than present a…
Harvard Joint Center for Housing Studies
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November 1, 2010
LIHTC: Looking beyond any lingering problems in investment demand for tax credits left over from the broader financial crisis, there are a number of longer-term…
The boom and bust in nonprime and nontraditional mortgage lending in the United States is without precedent. The factors that fueled the boom and the way it unfolded sowed…
MF10-14: A reference to remedies in debtor-creditor law usually conjures up images of the rights of creditors to enforce obligations when debtors default. Whether due to…
MF10-9: The Community Reinvestment Act (CRA) is in need of a major overhaul. Much about the financial services industry has changed and much has been learned about the…
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…
MF10-2: Almost one-third of the 30 million U.S. households who are unbanked or underbanked borrow to pay for small-dollar, short-term needs. They obtain loans through…
MF10-1: As the economic recession continues to threaten the economic security of low- and middle-income households, its effects have been heightened by the reality that…
MF10-6: Since mid-2007, the federal government has devoted enormous sums of money and effort to foreclosure prevention. Washington’s approach to rising foreclosures has…
