Report Aligning lending incentives creates better outcomes for banks and borrowers alike.
Issue Brief The banking industry’s claims that policymakers must roll back financial reform to help small banks do not stand up to scrutiny.
A ruling against disparate impact analysis would be a blow to the nation’s larger civil rights laws and to some of its most vulnerable populations.
Jim Carr and Julia Gordon write that a rollback of Dodd-Frank protections would once again let lenders make more money and take less risk while unleashing a new round of reckless and predatory lending practices.
Issue Brief America’s homeownership rate stands at its lowest point in two decades. If structured right, lease-purchase agreements could potentially offer consumers a path toward homeownership.
Julia Gordon, Director of Housing Finance and Policy at the Center for American Progress, testifies before the House Committee on Financial Services Subcommittee on Housing and Insurance.
Bank regulators’ efforts to update the Community Reinvestment Act reflect changes in the financial marketplace and are valuable first steps toward broader reforms.
Julia Gordon, Director of Housing Finance and Policy at the Center for American Progress, recently testified before the Senate Committee on Banking, Housing, and Urban Affairs, Subcommittee on Housing, Transportation, and Community Development. Her testimony provides recommendations for increasing access to safe and affordable credit.
Issue Brief Single-family rental companies can build trust by treating tenants fairly and investing in the communities surrounding their rental homes.
The Consumer Financial Protection Bureau’s proposal to release consumers’ complaints in their own words adds additional transparency and accountability to the financial system.
Sarah Edelman and Julia Gordon write that auctioning FHA-insured delinquent loans could aid the recovery of the housing market.
Report On DASP’s two-year anniversary, CAP provides recommendations for how the Federal Housing Administration can better help neighborhoods and homeowners while still saving money for taxpayers.
Tight credit may be keeping many qualified prospective homeowners on the sidelines, but they might be necessary for a full housing recovery. FHFA Director Mel Watt is working to ensure that qualified borrowers in all parts of the country have a shot at sustainable homeownership.
Julia Gordon and David Sanchez discuss the critical role that Fannie Mae and Freddie Mac play in ensuring affordable housing for low- and moderate-income families.