Affiliate Researcher, Stephen Ross, Publishes Article in Housing Policy Debate Journal & Releases Accompanying Policy Brief

Stephen Ross,
Professor of Economics,
University of Connecticut

In their recently published Housing Policy Debate article, co-authors Stephen Ross and Marsha Courchane present an overview of the research on discrimination in mortgage underwriting and pricing, the experiences of minority borrowers both prior to and during the financial crisis, and federal efforts to mitigate foreclosures during the crisis. They discuss the history of legal cases alleging disparate treatment of minority borrowers, and recent cases alleging disparate impact in the wake of the Supreme Court’s Inclusive Communities decision. Using these discussions as a background, Ross and Courchane examine and discuss mortgage regulations issued by the Consumer Financial Protection Bureau following the financial crisis, describe recent developments in the FinTech industry and explore the implications for fair lending policy and minority borrowers more generally. The authors draw conclusions and make recommendations for improving the mortgage market outcomes of minority borrowers and increasing minority borrowers’ access to credit.

Household Finance Research Seminar Returns January 31, 2019 on Thursdays from 3:45-4:45pm

With 50 faculty affiliates across departments at UW-Madison, as well as 45  fellows at other institutions throughout the nation, The Center for Financial Security is pleased to provide a platform for sharing some of the most exciting and innovative early stage research in the household finance realm. Researchers will present from such disciplines as consumer science, sociology, business, economics, finance, public policy and administration, marketing, risk and insurance, accounting, library sciences, public health, mass communications, engineering/computer science, social psychology and other fields.

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Amanda Kostman

Family Living Educator
UW-Extension Walworth County

amanda.kostman@ces.uwex.edu

Areas of Practice: 

  • Helping communities respond to issues such as childhood obesity, financial security, and aging.
  • Providing leadership for policies that help children, youth and families succeed.
  • Increasing knowledge about parenting, health and nutrition.
  • Offering consumers and families more strategies for managing their money.
  • Reaching out to diverse families with education and resources.
  • Using cost effective approaches to reduce negative family issues and build more resilient families.

Kathryn Magnuson

Professor
School of Social Work
University of Wisconsin-Madison

kmagnuson@wisc.edu




Areas of Research Interest: Magnuson’s research interests include well-being and development of economically disadvantaged children and their families. She examines how disparities in socioeconomic status (SES) affect children’s development, and how these effects may be altered by policies and programs, especially early childhood education programs. She also investigates how maternal education impacts child development.

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Donald Haurin

Academy Professor of Economics
The Ohio State University


haurin.2@osu.edu


Areas of Research Interest: issues in housing, real estate economics, and urban economics; recently published research includes studies of the impact of Hispanic ethnicity on homeownership, prediction of turning points in housing markets, the causes of volatility in home prices, and the determination of how residential properties’ list prices are set by sellers.

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