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Risk, Access and the QRM Reproposal

September 26, 2013

Researchers review evidence that concludes the August 2013 reproposal by regulators of the Credit Risk Retention Rule called for under Dodd–Frank aligning the definitions of Qualified Residential Mortgages (QRMs) with Qualified Mortgages (QMs) will provide reasonable balance of broad access with sound lending.

Debunking the CRA Myth – Again

January 1, 2013

Center researchers detail flaws in a paper seeking to discredit the Community Reinvestment Act and urge policymakers and practitioners to resist being distracted by this widely rejected thesis.

Lost Ground, 2011: Disparities in Mortgage Lending and Foreclosures

November 1, 2011

As the nation struggles through the fifth year of the foreclosure crisis, there are no signs that the flood of home losses in America will recede anytime soon. Moreover, while the majority of people affected by foreclosures have been white families, borrowers of color are more than twice as likely to lose their home as white households.