Building assets, building credit
Subtitle: creating wealth in low-income communities
By: Nicolas P. Retsinas, Eric S. Belsky, editors
Publisher: Brookings Institution Press
Published: 2005
Place of publication: Washington, D.C
Language: eng
Number of pages: 395
ISBN-13: 9780815774099
Subjects: Home ownership; Hypotheken; Lagere klassen; Consumer credit; Kredietverlening; Mortgage loans; Low-income consumers
Description: "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.
Notes: Includes bibliographical references and index.

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Table of contents: title: New paths to building assets for the poor / Eric S. Belsky and Nicolas P. Retsinas; title: Credit matters : building assets in a dual financial service system / Eric S. Belsky and Allegra Calder; title: To bank or not to bank? : a survey of low-income households / Christopher Berry; title: Refinance and the accumulation of home equity wealth / Frank E. Nothaft and Yan Chang; title: Changing industrial organization of housing finance and changing role of community-based organizations / William C. Apgar and Allen J. Fishbein; title: Exploring the welfare effect of risk-based pricing in the subprime mortgage market / J. Michael Collins, Eric S. Belsky, and Karl E. Case; title: Hitting the wall : credit as in impediment to homeownership / Raphael W. Bostic, Paul S. Calem, and Susan M. Wachter; title: Credit scoring's role in increasing homeownership for underserved populations / Hollis Fishelson-Holstine; title: Modes of credit market regulation / Michael S. Barr; title: Accuracy in credit reporting / Michael E. Staten and Fred H. Cate; title: Cost-benefit analysis of debtor protection rules in subprime market default situations / Duncan Kennedy; title: Institutions and inclusion in saving policy / Michael Sherraden and Michael S. Barr; title: Unbanked to homeowner : improving financial services for low-income, low-asset customers / Ellen Seidman and Jennifer Tescher; title: Innovative servicing technology : smart enough to keep people in their houses? / Amy Crews Cutts and Richard K. Green.