The Future of Fair Credit and Fair Housing
This initiative, funded by the W.K. Kellogg Foundation, surveyed some of the leading academic and policy minds across the country, commissioned original scholarly and advocacy work with concrete policy implications, and drew together advocates in Hartford, CT, Seattle, WA, Austin, TX, Detroit, MI, Washington, DC, New Orleans, LA, and Oakland, CA, to consider the future of fair credit and fair housing in the wake of the devastating subprime lending and foreclosure crisis.
 |
Kirwan Update Special Edition - Housing May 2010 |
 |
Fair Credit and Fair Housing in the Wake of the Subprime Lending and Foreclosure Crisis |
 |
The Future of Fair Housing: Report of the National Commission on Fair Housing and Equal Opportunity |
Commissioned Research:
- Deyanira Del Rio - Mortgage Lending and Foreclosures in Immigrant Communities: Expanding Fair Housing and Fair Lending Opportunity Among Low Income and Undocumented Immigrants
- Jeff Dillman - Subprime Lending in the City of Cleveland and Cuyahoga County
- Gary Dymski - Understanding the Subprime Crisis: Institutional Evolution and Theoretical Views
- Ira Goldstein
- Jesus Hernandez - The Residual Impact of History: Connecting Residential Segregation, Mortgage Redlining, and the Housing Crisis
- Mark Ireland - Bending toward Justice: An Empirical Study of Foreclosure in One Neighborhood Three Yeas after Impact and a Proposed Framework for a Better Community
- Henry Korman - Furthering Fair Housing, the Housing Finance System, and the Government Sponsored Enterprises
- Jillian Olinger - Fannie, Freddie, and the Future of Fair Housing
- Manuel Pastor, Rhonda Ortiz, and Vanessa Carter - Breaking the Bank / (Re)Making the Bank: America’s Financial Crisis and the Implications for Sustainable Advocacy for Fair Credit and Fair Banking
- Greg Squires - The Consumer Financial Protection Agency: Key to Safety and Soundness and Consumer Protection
- Thomas Stanton - Fannie Mae and Freddie Mac: How Can We Increase Their Support of the Mortgage Market?
- Deidre Swesnik, Benjamin Clark, and Deborah Goldberg - How TARP Funds Could (and Should) Be Used to Improve Our Neighborhoods
- Hannah Thomas - An Ethnographic View of Impact: Asset Stripping for People of Color
- Mark Willis
Thought Pieces from Advisory Board Members:
- Graciela Aponte - Survival Spending: The Role of Credit Cards in Hispanic Households
- Janeen Comenote - No Home in Indian Country
- Steve Crawford - Extending Credit to Marginalized Communities
- Thomas J. Fitzpatrick - Research Memo
- José García - A Credit and Lending in Communities of Color
- Dan Immergluck - Now What? Key Trends from the Mortgage Crisis and Implications for Policy
- Mark Ireland - Rethinking Value
- Uriah King - Does Discretionary Pricing Mean Discriminatory Pricing?
- Jessica LeVeen Farr - Access to Consumer Credit Post Foreclosure
- Benet Magnuson & Annette LoVoi - Overview of Washington D.C. Presentation
- Chris Peterson - What is a Bank Robber?
Policy Consensus Convenings & Regional Workshops:
Five regional convenings (Hartford, CT; Seattle, WA; Austin, TX; Detroit, MI; New Orleans, LA) were held with partner organizations to get input on challenges and needs unique to their markets and to build advocacy knowledge and capacity across the country. In November and December we co-hosted policy consensus-building meetings in Washington, DC and Oakland, CA. These meetings included representatives from fair housing, fair lending, consumer protection, civil rights, public interest law, community and neighborhood economic development, policy advocacy, and academic/research organizations. Materials from these meetings are provided below.
Hartford, CT - October 7th, 2009
- Co-sponsored by the Fair Housing Center
- Introductory Presentation: Fair Credit and Fair Housing in the Wake of the Subprime and Foreclosure Crisis
Seattle, WA - October 30th, 2009
- Co-sponsored by the Northwest Justice Project
- Convening Agenda and Facilitated Workgroup Findings
- Introductory Presentation: Fair Credit and Fair Housing in the Wake of the Subprime and Foreclosure Crisis
- Opportunity Based Housing Maps
Austin, TX - November 6th, 2009
- Co-sponsored by Green Doors
- Agenda and Facilitated Workgroup Findings
Detroit, MI - November 10, 2009
- Co-sponsored by the Michigan Roundtable for Diversity and Inclusion
- Agenda and Facilitated Workgroup Findings
Washington, DC - November 18th, 2009
- Co-sponsored by PRRAC, NCRC, CRL, NCLR, and the NFHA
- Agenda and Notes
New Orleans, LA - December 11th, 2009
- Co-sponsored by the Greater New Orleans Fair Housing Center
- Agenda and Facilitated Workgroup Findings
Oakland, CA - December 18th, 2009
- Co-sponsored by PolicyLink
- Agenda and Notes
Earlier Work:
October 2-3, 2008
Subprime Lending, Foreclosure and Race: National Convening
A national convening of advocates, researchers, policy makers, funders and other key stakeholders to explore the racial dimensions of the crisis and identify the critical solutions needed to address this significant civil rights challenge. To read more about the convening, please click on the image.
Other Resources: More on Housing Programs in the Economic Recovery
