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Building assets, building credit : creating wealth in low-income communities / Nicolas P. Retsinas, Eric S. Belsky, editors.
- Format:
- Book
- Language:
- English
- Subjects (All):
- Consumer credit--United States.
- Consumer credit.
- Low-income consumers--United States.
- Low-income consumers.
- Home ownership--United States.
- Home ownership.
- Mortgage loans--United States.
- Mortgage loans.
- Physical Description:
- 1 online resource (412 p.)
- Edition:
- 1st ed.
- Place of Publication:
- Washington, D.C. : Brookings Institution Press, c2005.
- Language Note:
- English
- Summary:
- "Examines the path from basic banking services to creditmaking decisions to mortgage lending that can give low-income individuals and communities the opportunity to build assets through credit, highlighting the need for transparency in the subprime market, buyer education, and borrower safeguards"--Provided by publisher.
- Contents:
- Cover; Title Page; Contents; Foreword; Acknowledgments; 1. New Paths to Building Assets for the Poor; 2. Credit Matters: Building Assets in a Dual Financial Service System; PART 1: Making Choices; 3. To Bank or Not to Bank? A Survey of Low-Income Households; 4. Refinance and the Accumulation of Home Equity Wealth; PART 2: Beyond Prime; 5. Changing Industrial Organization of Housing Finance and Changing Role of Community-Based Organizations; 6. Exploring the Welfare Effects of Risk-Based Pricing in the Subprime Mortgage Market
- 7. Hitting the Wall: Credit as an Impediment to Homeownership8. Credit Scoring's Role in Increasing Homeownership for Underserved Populations; PART 4: Role of Regulation; 9. Models of Credit Market Regulation; 10. Accuracy in Credit Reporting; 11. Cost-Benefit Analysis of Debtor Protection Rules in Subprime Market Default Situations; PART 5: Working toward Solutions; 12. Institutions and Inclusion in Saving Policy; 13. Unbanked to Homeowner: Improving Financial Services for Low-Income, Low-Asset Customers
- 14. Innovative Servicing Technology: Smart Enough to Keep People in Their Houses?Contributors; Index
- Notes:
- Description based upon print version of record.
- Includes bibliographical references and index.
- ISBN:
- 9786610813285
- 9781280813283
- 1280813288
- 9780815797845
- 0815797842
- OCLC:
- 475992774
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