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2010

2010Fair Credit/Fair Housing

Fannie, Freddie, and the Future of Fair Housing

Download or View The Full Report Our research and analysis of Fannie and Freddie reveals two key takeaways. First, Fannie and Freddie were neither outright responsible for the current subprime and foreclosure crisis, nor will their restructuring alone eradicate the problem without broader financial reform. Second, sustainable homeownership, especially for marginalized borrowers, is not just … Continue reading »

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2010Fair Credit/Fair Housing

Extending Credit to Marginalized Communities

Download or View The Full Report The true test of success for an economy is not just jobs and income. It is the opportunity for all participants to save for the future and acquire assets of lasting and potentially growing value, such as post-secondary education, a home, a small business, or a well-invested retirement account. … Continue reading »

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2010Fair Credit/Fair Housing

Credit and Lending in Communities of Color

Download or View The Full Report Access to credit is critical for communities of color to build assets, income and to pay for basic necessities. Historically, communities of color have lacked access to credit, both in quantity and quality. Past struggles for fairness in lending have focused on mortgage lending because of the transformative capacity … Continue reading »

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2010Fair Credit/Fair Housing

The Consumer Financial Protection Agency: Key to Safety and Soundness and Consumer Protection

Download or View The Full Report As part of its financial regulatory reform proposal the Obama Administration has called for the creation of a Consumer Financial Protection Agency (CFPA) that would consolidate enforcement of most consumer financial services requirements under one roof (U.S. Department of the Treasury 2009). A truly independent agency, with appropriate staff … Continue reading »

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2010Fair Credit/Fair Housing

Access to Consumer Credit Post Foreclosure

Download or View The Full Report The financial implications of foreclosure are enormous, especially for lower income households. The immediate loss of the home and the corresponding decrease in household net worth are most dramatic. However, foreclosure also damages a consumer’s credit, and due to the rising importance of credit and credit scores in all … Continue reading »

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