Regulation & Reform

Research, policy analysis and recommendations on how to create a housing finance system that promotes broad access to quality mortgage products for families and communities and ensures a vibrant, sustainable mortgage market.

2015 Latino Housing Study cover
Research Report | February 22, 2016
The State of Latino Housing in North Carolina 2015
Roberto G. Quercia, James H. Johnson Jr., Mark McDaniel

Quercia, Pathways to Prosperity 2015
Presentation | October 13, 2015
North Carolina Housing Post Great Recession
Pathways to Prosperity 2015
Roberto G. Quercia

3-18-15 Quercia Wharton
Presentation | March 18, 2015
The Once and Future Federal Housing Administration
The Future of the U.S. Housing Finance System: Bringing the U.S. Residential Mortgage Finance System into the 21st Century, The Wharton School., University of Pennsylvania
Roberto G. Quercia, Kevin A. Park

Published Article – Peer Reviewed | March 12, 2015
Loan Modifications and Foreclosure Sales during the Financial Crisis: Consequences for Health and Stress
Housing Studies
Mark R. Lindblad, Sarah F. Riley

Communities and Banking cover
Published Article | Winter 2015
Energy Efficiency and Mortgage Risks: Implications for the Northeast
Communities & Banking
Nikhil Kaza, Roberto G. Quercia

HMDA Comment Oct 2014
Testimony | October 28, 2014
Home Mortgage Disclosure Act (Regulation C)
Response to Consumer Financial Protection Bureau's proposed rule governing Home Mortgage Disclosure (Regulation C)
Kevin A. Park
The center responds to rules proposed by the Bureau of Consumer Financial Protection amending Regulation C to implement amendments to the Home Mortgage Disclosure Act and change institutional and transactional coverage.

Enterprise Housing Goals Comment
Testimony | October 2014
2015-17 Enterprise Housing Goals
Public comment to Federal Housing Finance Agency Director Mel Watt
Kevin A. Park
The center responds to the Federal Housing Finance Agency's proposed affordable housing goals for the government-sponsored enterprises Fannie Mae and Freddie Mac for 2015-2017

Policy Brief | October 2014
Serving Mortgage Market Segments Effectively
Kevin A. Park
Lowering the cost of capital required by government-sponsored enterprises can safely and efficiently serve higher-risk segments of the market, increasing opportunity for homeownership and improving market stability.

Policy Brief | October 2014
Risks of Risk‐based Pricing of Mortgage Credit
Kevin A. Park
Risk‐based pricing can have destabilizing effects on regional and national housing markets, as well as the lives of individual households.

Spotlight logo
Commentary | October 7, 2014
Low-Down-Payment Lending: A Critical Step toward Equitable Homeownership
Spotlight on Poverty and Opportunity

The UNC Center for Community Capital conducts research and policy analysis on ways to make financial services work better for more people and communities.


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