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W09-1: Energy efficiency and environmental sustainability have benefited from increased media attention in recent years. Despite a proven record of improving the energy…

There are many causes to the collapse of the housing market and the recent financial turmoil, but the contribution of the CRA appears marginal. While banks did engage in…

W08-2: Research on the determinants of home improvement activity generally ignores the neighborhood context in which homeowners live. However the condition and trends of…

This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…