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Articles and analysis on today's issues
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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.
Including On-Time Rental Payment History in Credit Scoring Could Help Narrow the Black-White Homeownership Gap Credit scores used in mortgage underwriting don’t tell the full story of someone’s financial health.Should Borrowers Be Afraid of Adjustable-Rate Mortgages? Today’s ARMs could help borrowers save money and reduce barriers to homeownership.How Local Differences in Race and Place Affect Mortgage Lending Neighborhood racial makeup alone is not a consistent predictor of disparate lending outcomes.When Researchers Build Trust, “Hard-to-Reach” Undocumented Communities Aren’t So Hard to Reach Five ways researchers can ensure their studies aren’t extractive and communities benefit from their work.New Data Show Inflation Could Undermine Families of Color’s Financial Resilience. How Can Policymakers Help? Because of structural barriers, communities of color are most likely to experience food insecurity and have debt in collections—limiting their financial resilience in the face of inflation.Why Have Mortgage Rates Gone Up So Much? Mortgage rates have risen more than longer-term Treasury rates in response to Federal Reserve monetary tightening actions, further decreasing housing affordability.
