Building assets, building credit [[electronic resource] ] : creating wealth in low-income communities / / Nicolas P. Retsinas, Eric S. Belsky, editors

• Pubblicazione: Washington, D.C., : Brookings Institution Press, c2005
• Descrizione fisica: 1 online resource (412 p.)
• Disciplina: 332.024/01
• Soggetto topico: Consumer credit - United States; Low-income consumers - United States; Home ownership - United States; Mortgage loans - United States
• Altri autori: RetsinasNicolas Paul <1946-> BelskyEric S
• Note generali: Description based upon print version of record.
• Nota di bibliografia: Includes bibliographical references and index.
• Nota di contenuto: 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
• Sommario/riassunto: "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.
• Titolo autorizzato: Building assets, building credit
• ISBN: 1-280-81328-8; 9786610813285; 0-8157-9784-2
• Formato: Materiale a stampa
• Livello bibliografico: Monografia
• Lingua di pubblicazione: Inglese
• Record Nr.: 9910784491303321
• Lo trovi qui: Univ. Federico II