Community land trusts (CLTs) are place-based nonprofits that hold land in perpetuity on behalf of a community. CLTs can help preserve affordability in hot markets and help…
This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…
BABC 04-12: Credit scoring has helped to produce a robust credit environment and increase access to homeownership for millions of consumers. This paper examines the role…
