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Working Papers

Behaviorally Informed Home Mortgage Credit Regulation

Michael Barr, Sendhil Mullainathan, Eldar Shafir • April 1, 2008

UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
Working Papers

Imperfect Information and the Housing Finance Crisis

Edward Golding, Richard Green, Douglas McManus • February 1, 2008

UCC08-6: This paper has two parts. First, we look at the various agents involved in the mortgage transaction—including borrowers, brokers, originators, rating agencies…
Working Papers

Estimating Economic Impacts of Community Lending

J. Michael Collins, Eric Belsky, Micky Tripathi • July 15, 1999

W99-7: This paper provides a step-by-step approach to understanding and estimating the economic benefits of helping lower-income households buy and own their first home…