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Focus on Housing: Additional resources

Our Racism and the Economy: Focus on Housing event features speakers with diverse expertise but each with a critical perspective on housing in the United States and its relevance to racism. The ideas presented consider housing access, housing finance, and residential segregation: touching on how exclusionary practices reinforce structural racism as well as policy options that offer the potential to disrupt and dismantle these systems. We have developed a list of additional resources from Federal Reserve Banks that examine race across several housing contexts.

Jump to: Session proposals & papers | Fair housing | Heirs property | Homeownership | Housing stability | Mortgage lending | Property tax | Rental housing | Residential segregation

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Session Proposals & Papers

These papers go into greater detail on the proposals presented by the authors during the Racism and the Economy: Focus on Employment event.

Eliminate single-family zoning to expand housing supply

Proposal PDF | Scott Wiener, California Senate

Eliminate systemic racism in appraisals

Proposal PDF | Junia Howell, University of Pittsburgh

Offering restorative housing reparations

Proposal PDF | Robin Rue Simmons, Evanston, Illinois, City Council

The value of Black lives comes out in home appraisals

Keynote paper | Andre Perry, Metropolitan Policy Program, Brookings Institution

Fair housing




Housing stability

Housing Stability and Family Health: An Issue Brief

Brief | Federal Reserve Bank of San Francisco

Outcomes of foreclosure: Literature review and experiences in Lowell, Massachusetts

Brief [PDF] | Federal Reserve Bank of Boston

Seizing the Opportunity for Equitable and Inclusive Redevelopment

Article | Federal Reserve Bank of Dallas

COVID-19 Impacts on Housing Stability in the Twelfth Federal Reserve District

Brief | Federal Reserve Bank of San Francisco

Housing Stability and Family Health: Five Things to Know

Blog entry | Federal Reserve Bank of San Francisco

Mortgage lending

Do Minorities Pay More for Mortgages?

White Paper | Federal Reserve Board of Governors

The role of HUD and the FHA: Conflicts in mandate and operations, past and present

Brief [PDF] | Federal Reserve Bank of Boston

Here Comes the Neighborhood: Breathing New Life into the Inner City, One Mortgage at a Time

Article | Federal Reserve Bank of St. Louis

Home Improvement Lending in the Third Federal Reserve District: Patterns by Income, Race, and Gender

Article | Federal Reserve Bank of Philadelphia

The American Dream or Just an Illusion? Understanding Land Contract Trends in the Midwest Pre- and Post-Crisis

Journal Article [pdf] | Federal Reserve Bank Of Atlanta/Cityscape

The Higher Price of Mortgage Financing for Native Americans

White Paper | Federal Reserve Bank Of Minneapolis

2016 Mortgage Lending Trends in New England

Brief [PDF] | Federal Reserve Bank Of Boston

Home Lending in Franklin County Neighborhoods

Article | Federal Reserve Bank Of Cleveland

Home Lending in Hamilton County Neighborhoods

Article | Federal Reserve Bank Of Cleveland

An Uneven Recovery: Home Lending in the Fourth District by Race and Income

Article | Federal Reserve Bank Of Cleveland

Home Lending in Lucas County Neighborhoods

Article | Federal Reserve Bank Of Cleveland

Mortgage prepayment, race, and monetary policy

White Paper | Federal Reserve Bank Of Boston

Property tax

The Assessment Gap: Racial Inequalities in Property Taxation

White Paper | Federal Reserve Bank of Minneapolis

Yet another source of inequality: Property taxes

Article | Federal Reserve Bank of Minneapolis

Rental housing

Can Landlords Be Paid to Stop Avoiding Voucher Tenants?

White Paper | Federal Reserve Bank of Cleveland

Landlords and Access to Opportunity

White Paper | Federal Reserve Bank of Cleveland

The COVID-19 Eviction Cliff: Key Issues and Insights to Help Mitigate a Crisis

White Paper | Federal Reserve Bank of New York

Barriers and Opportunities in the Housing Voucher Program: The Importance of Race in the Housing Search Process

Brief [PDF] | Federal Reserve Bank of Boston

Increasing Access to Affordable Housing Opportunities in Silicon Valley

White Paper [pdf] | Federal Reserve Bank of San Francisco

Expanding and diversifying housing: Approaches and impacts on opportunity

Brief | Federal Reserve Bank of Minneapolis