Building assets, building credit : creating wealth in low-income communities / Nicolas P. Retsinas, Eric S. Belsky, editors.
"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 safeguar...
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| Online Access: |
Full Text (via ProQuest) |
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| Other Authors: | , |
| Format: | eBook |
| Language: | English |
| Published: |
Washington, D.C. :
Brookings Institution Press,
©2005.
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| Series: | James A. Johnson metro series.
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| Subjects: |
Table of 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 Financia.