Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
Results
Showing 1 to 8 of 8 for “"Home Mortgage Disclosure Act"”.
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Community Development, Research, and Reinvestment: The Struggle against Redlining in Washington, DC, 1970-1995
… key pieces of federal legislation, such as the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA). Additionally, DC’s reinvestment movement is unusual in that the city government used an interstate banking law to force reinvestment. Furthermore, I describe class-based …
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The development and function of an affordable housing production ecosystem : Harlem, Hew York in the late 1990s and early 2000s
… a framework of "push," "pull," and "safety net" factors influencing the allocation of capital and resources. "Push" factors consisted of the Community Reinvestment Act and Home Mortgage Disclosure Act, the evolution of which led private investment into low-income and minority communities such as …
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Federal mandates and mortgage supply : regression discontinuity analyses of the community reinvestment and GSE Acts.
… I provide evidence of the causal impact on mortgage supply of the Community Reinvestment Act (CRA) and the "Government-Sponsored Enterprises (GSE) Act", laws requiring banks and the GSEs (Fannie Mae and Freddie Mac), respectively, to help improve credit access for low-income …
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Does Artificial Intelligence Bias Exist in Mortgage Underwriting Software? Investigating Bias, Regional Disparities, and Fair AI Models
… Zou and Khern's (2022) analysis of AI Bias in Mortgage Applications. They used the Home Mortgage Disclosure Act (HMDA) dataset from the Federal Financial Institution Examination Council's (FFEIC) website to review mortgage loan data from 2019 to determine if there was bias in the AI mortgage …
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Investigating The Dual Mortgage Market: The Distribution Of Subprime Lending By Race And Its Consequences For Minority Communities
… of a neighborhood and the existence of a dual mortgage market in which prime and subprime lenders serve different neighborhoods and borrowers. Does subprime lending represent the democratization of credit or does it serve to track people by race? This dissertation employs Home Mortgage …
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Low-income homeownership for intergenerational mobility - the role of intermediaries in risk mitigation
Homeownership is an important marker of achievement and personal wealth for most Americans. It provides a sense of stability and is an essential conduit through which families access opportunity in the form of schools, jobs, urban services, and communities (Rohe et al., 2001). For low-income and …
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Essays on Real Estate, Flood Risk, and Political Sentiment
… maps serve two functions: they signal risk to homeowners and mandate insurance take-up. How these information and risk transfer mechanisms affect homeowner relocation decisions remains unknown. Combining real estate transaction data and historical FEMA flood maps, I exploit geographic and …
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Essays on Environmental Economics with a Focus on Non-market Valuation
… (in Chapter 2), and urban tree cover's impact on residential location decision making in Milwaukee, WI (in Chapter 3). Chapter 2 evaluates the economic effects of labeling plants grown with water-recycling technology (WRT) practices in selected nursery operations in the Mid-Atlantic region …