Articles and analysis on today's issues
To use AI tools effectively, local leaders must optimize documents and information for AI, implement guardrails, and rely on human expertise to evaluate risks and benefits.
Incorporating Two Alternative Types of Data into Mortgage Underwriting Could Make the Process More Equitable Cash flow and rental payment history are both strong predictors of credit risk.How Can Research Better Represent People with Disabilities? No data source can fully capture the diversity of the disabled population, but researchers can take steps to ensure data are meaningful and inclusive.High Mortgage Rates Threaten Recent Homeownership Progress for Households of Color One timely solution has historical precedent and offers a way to sustain the purchasing power of households of color while sustaining them over the long term.10 Blog Posts That Elevated the Debate in 2022 Amid fluctuating economic uncertainty and soaring inflation and home prices, Urban Institute researchers doubled down on their quest to understand how these trends have affected the most marginalized groups.The Loss Mitigation Toolkit Needs an Urgent Upgrade to Deal with Higher Rates One solution could help relieve borrowers struggling to make payments—regardless of the interest-rate environment.How Community-Based Organizations Use Data to Advance Racial Equity Many communities want to use data to reduce poverty and expand economic mobility, but they’ll need more support to do so effectively.