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Real Estate

Ability to Repay a Mortgage: Assessing the Relationship Between Default, Debt-to-Income

W. Scott Frame, Kristopher Gerardi, Daniel Sexton and Joseph Tracy

The Consumer Financial Protection Bureau has announced that it intends to change the definition of a “qualified mortgage.” Specifically, the CFPB proposes to reconsider the use of a borrower's debt-to-income ratio as a measure of the ability to repay a loan.

March 24, 2020

The Long Road to Housing Finance Reform: 'Are We There Yet?'

W. Scott Frame and Joseph Tracy

Over the past decade, broad-based legislative reforms for housing finance have proven elusive. However, reflecting lessons from the financial crisis, a political consensus has emerged on how Fannie Mae and Freddie Mac should operate.

February 04, 2020

After the Bust, the Long Road to Housing Finance Reform

W. Scott Frame and Joseph Tracy

The Treasury recently released a plan proposing several administrative and legislative changes aimed at returning Fannie Mae and Freddie Mac to the private sector after more than a decade of federal control.

January 14, 2020

Large, Dominant Firms Depress Local Wages; Housing Costs Help Offset Lower Pay

Joseph Tracy and Matthew E. Kahn

Concern has increased about the ability of very large firms to exert market power and hold down wages in localities where they dominate.

January 07, 2020

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