03534nam 2200685Ia 450 991080859960332120240410111219.01-280-81328-897866108132850-8157-9784-2(CKB)1000000000347404(EBL)267608(OCoLC)475992774(SSID)ssj0000115617(PQKBManifestationID)11125096(PQKBTitleCode)TC0000115617(PQKBWorkID)10012030(PQKB)11730303(OCoLC)63170706(MdBmJHUP)muse13311(Au-PeEL)EBL267608(CaPaEBR)ebr10120612(CaONFJC)MIL81328(MiAaPQ)EBC267608(EXLCZ)99100000000034740420050617d2005 uy 0engur|n|---|||||txtccrBuilding assets, building credit[electronic resource] creating wealth in low-income communities /Nicolas P. Retsinas, Eric S. Belsky, editors1st ed.Washington, D.C. Brookings Institution Pressc20051 online resource (412 p.)Description based upon print version of record.0-8157-7409-5 Includes bibliographical references and index.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 Market7. 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 Customers14. Innovative Servicing Technology: Smart Enough to Keep People in Their Houses?Contributors; Index"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.Consumer creditUnited StatesLow-income consumersUnited StatesHome ownershipUnited StatesMortgage loansUnited StatesConsumer creditLow-income consumersHome ownershipMortgage loans332.024/01Retsinas Nicolas Paul1946-1644791Belsky Eric S1644792MiAaPQMiAaPQMiAaPQBOOK9910808599603321Building assets, building credit4056444UNINA