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.

Park ABA
Presentation | October 4, 2013
Community Reinvestment Act Overview
American Bar Association 2013 Forum on Affordable Housing and Community Development Law, Asheville, N.C.

Harvard Symposium - Moulton, Quercia
Working Paper | October 2013
Access and Sustainability for First Time Homebuyers: The Evolving Role of State Housing Finance Agencies
Harvard Business School National Housing Symposium
Stephanie Moulton, Roberto G. Quercia

Research Report | September 2013
Risk, Access and the QRM Reproposal
Carolina Reid, Roberto G. Quercia

Harvard Symposium - Lindblad, Rohe
Working Paper | August 2013
Reexamining the Social Benefits of Homeownership after the Housing Crisis
Harvard Business School National Housing Symposium
William M. Rohe, Mark R. Lindblad

Published Article – Peer Reviewed | July 2013
House Price Dynamics, Unemployment, and the Mobility Decisions of Low-income Homeowners
Sarah F. Riley, Giang Nguyen, Kim Manturuk

Research Report | June 5, 2013
Making the Mortgage Market Work for America’s Families
Janneke Ratcliffe, Center for American Progress, National Council of La Raza

Presentation | May 30, 2013
Home Energy Efficiency and Mortgage Risks
American Real Estate and Urban Economics Association (AREUEA) National Conference, Washington, D.C.
Chao Yue Tian

Developing the Blueprint for Viable Low-down-payment Lending
Policy Brief | May 2013
Developing the Blueprint for Viable Low-down-payment Lending
Janneke Ratcliffe
The UNC Center for Community Capital convenes a group of mortgage lenders, housing advocates, academics, policy influencers and government agency representatives for a conversation about how to rebuild a mortgage market in the wake of the financial crisis that is safer and how to extend the benefits of homeownership to less-affluent borrowers, particularly those with lower down payments.

Working Paper | May 2013
Credit and Collateral: Rising Denial Rates on Home Purchase Mortgage Applications, 2001-2011
Kevin A. Park
The odds of being denied a mortgage in 2011 are twice what they were a decade earlier, with more than 60 percent of the increase between 2007 and 2009 attributable to concerns about the value of the property used to secure the mortgage.

Testimony | March 19, 2013
Bipartisan Solutions for Housing Finance Reform
Janneke Ratcliffe

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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