2020 State of Housing in Black America

Vanessa Gail Perry

Michelle Aronowitz ♦ Jung Hyun Choi ♦ Edward Golding
Morgan Green ♦ Richard K. Green ♦ Maurice Jourdain-Earl
Ashlyn Aiko Nelson ♦ Lauren Rhue ♦ Lisa Rice

Section III Notes

  1. “Credit Reporting and COVID-19 — It’s Not a Sophie’s Choice,” by Michael Turner, Inside Sources, August 07, 2020, https://www.insidesources.com/credit-reporting-and-covid-19-its-not-a-sophies-choice/
  2. “The CARES Act Eviction Moratorium Covers All Federally Financed Rentals—That’s One in Four US Rental Units,” by Laurie Goodman, Karan Kaul and Michael Neal, Urban Institute, https://www.urban.org/urban-wire/cares-act-eviction-moratorium-covers-all-federally-financed-rentals-thats-one-four-us-rental-units
  3. https://www.fhfaoig.gov/Content/Files/AUD-2013-008.pdf
  4. See Aronowitz, Choi and Golding, “Mortgage Rates and the Extra Cost for Black Homeowners.”
  5. “Barriers to Accessing Homeownership Down Payment, Credit, and Affordability,” Laurie Goodman, Alanna McCargo, Edward Golding, Bing Bai, Bhargavi Ganesh, Sarah Strochak, Urban Institute, November 16, 2017, https://www.urban.org/research/publication/barriers-accessing-homeownership; Di, Zhu Xiao and Xiaodong Liu (2007). “The Importance of Wealth and Income in the Transition to Homeownership,” Cityscape, 9(2), 137-151.; Herbert, Christopher E. and Winnie Tsen (2007), “The Potential of Downpayment Assistance for Increasing Homeownership among Minority and Low-Income Households,” Cityscape, 9 (2), 153 - 183.
  6. Freeman, Allison and Jeffrey J. Harden (2015), “Affordable Homeownership: The Incidence and Effect of Down Payment Assistance,” Housing Policy Debate, 25(2), 308–319.
  7. https://www.washingtonpost.com/opinions/2019/06/13/african-americans-are-held-back-most-by-student-loan-debt-heres-solution/
  8. Perry, Vanessa G. (2018), “One More Score? Consumer Confusion, Credit Scoring, and Homeownership Opportunities,” White Paper, FICO; Williams, Betsy Anne, Catherine F. Brooks, and Yotam Shmargad. "How algorithms discriminate based on data they lack: Challenges, solutions, and policy implications." Journal of Information Policy 8 (2018): 78-115; Solon Barocas, Moritz Hardt, Arvind Narayanan, Fairness and machine learning: Limitations and Opportunities, https://fairmlbook.org/
  9. https://prrac.org/pdf/vision-for-federal-housing-policy-2021-beyond.pdf
  10. “Borrowing Is Cheap. The Catch? Qualifying.” By Tara Siegel Bernard, August 5, New York Times
  11. Roberson, Q. M., & Park, H. J. 2007. Examining the link between diversity and firm performance: The effects of diversity reputation and leader racial diversity. Group and Organization Management, 32: 548-568; Roberson, Q., Holmes, O., & Perry, J L. (2017). Transforming research on diversity and firm performance: A dynamic capabilities perspective. Academy of Management Annals (2017), 11(1), 189-216.