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.

Published Article – Peer Reviewed | May 2002
Does a High Tech Boom Worsen Housing Problems for Working Families?
Housing Policy Debate
Roberto G. Quercia, Michael A. Stegman, Walter R. Davis

Policy Brief | March 2002
Creating a Scorecard for the CRA Service Test: Strengthening Banking Services Under the Community Reinvestment Act
The Brookings Institution Policy Brief
Michael A. Stegman, Kelly Thompson Cochran, Robert Faris
The Community Reinvestment Act service test could provide important incentives for banks to serve the unbanked and underbanked populations.

Published Article | Fall 2000
Facing the New Suburban Housing Crunch
Blueprint: Ideas for a New Century
Roberto G. Quercia, Michael A. Stegman, George McCarthy

Published Article | June 2000
Housing America’s Working Families
New Century Housing
Michael A. Stegman, Roberto G. Quercia, George McCarthy

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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1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 •