Elizabeth La Jeunesse, Alexander Hermann, Daniel McCue, Jonathan Spader
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September 17, 2019
Housing affordability has been a growing concern across the US over the past three decades. Indeed, between 1990 and 2017, the number of units renting for under $600…
Kristin Perkins, Shannon Rieger, Jonathan Spader, Chris Herbert
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October 21, 2019
Previous studies of the financial constraints for homeownership attainment have found that cash grants to cover down payment and closing costs can fairly substantially…
Ann Carpenter, Taz George, Lisa Nelson
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August 29, 2019
Contract for deed home sales, a once-notorious practice that seemingly faded into obscurity in the 1970s, have gained greater attention in the wake of the foreclosure crisis…
UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…
Jonathan Spader, Shannon Rieger, Jennifer Molinsky
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November 16, 2017
This framing paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard…
Jonathan Spader, Chris Herbert
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December 11, 2016
The decade-long decline in the homeownership rate in the United States has generated substantial discussion over its future path. In the face of continued uncertainty, this…
Jonathan Spader, Jenny Schuetz, Alvaro Cortes
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August 28, 2015
The relationship between neighborhood physical environment and social disorder, particularly crime, is of critical interest to urban economists and sociologists, as well as…
BABC 04-14: The 1971 federal Fair Credit Reporting Act (FCRA) was intended to promote greater accuracy in credit reporting in the United States. Inaccurate credit…