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.

JR BPC Commentary
Commentary | September 2014
Expanding homeownership should be guiding force in housing finance reform
Janneke Ratcliffe

GSE Guaranty Fees Comment
Testimony | September 8, 2014
Fannie Mae and Freddie Mac Guarantee Fees
Response to Request for Input by Federal Housing Finance Agency Director Mel Watt
Kevin A. Park
Center researchers weigh in on the complex and important issues surrounding the setting of Fannie Mae and Freddie Mac’s fees in their response to Federal Housing Finance Agency Director Mel Watt request for input.

Draft PMI Reqs Comment
Testimony | September 8, 2014
Draft Private Mortgage Insurer Eligibility Requirements
Response to the Federal Housing Finance Agency’s Request for Input
Janneke Ratcliffe, Kevin A. Park

Published Article | Summer 2014
The Continuing Importance of Homeownership: Evidence from the Community Advantage Program
Community Investments

HAWK Comment 7-14-14
Testimony | July 14, 2014
HAWK for New Homebuyers
Comment to the U.S. Department of Housing and Urban Development
Roberto G. Quercia, Janneke Ratcliffe
The center offers four recommendations to help the program achieve its goals of improving the performance of the FHA’s mortgage fund, expanding the number of families who benefit from homeownership counseling and increasing access to sustainable home mortgages for buyers underserved by the current market.

Homeownership Built to Last Book Cover
Book Chapter | June 27, 2014
Homeownership Built to Last: Balancing Access, Affordability, and Risk after the Housing Crisis
Mark R. Lindblad, Roberto G. Quercia

Quercia Future of HO 5-14-14
Presentation | May 14, 2014
The Future of Homeownership
Federal Reserve Bank of Philadelphia, Philadelphia, Pa.

affordable homes
Research Report | March 2014
Community Advantage Panel Study: Sustainable Approaches to Affordable Homeownership
This report highlights key findings from the center's long-term study of 46,000 lower‐income U.S. homeowners whose mortgages are part of the Community Advantage Program, begun before the foreclosure crisis and continuing today. The findings reveal what works in affordable mortgage lending and offers insights on how to rebuild a sustainable U.S. housing finance system.

State FHA Post Reform
Presentation | February 20, 2014
Challenges and Opportunities: State Housing Finance Agencies Post Housing Finance Reform
Southern Municipal Finance Society Public Policy and Municipal Finance Conference, Charlotte, N.C.

Published Article | December 2013
The Public Purpose of FHA
Roberto G. Quercia, Kevin A. Park

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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