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An interest rate cap would reduce borrowing costs for some Americans but could also reshape who can access credit, potentially pushing many into high-cost alternatives.
Home Price Indexes Don’t Fully Capture Home Improvement Spending, Overestimating Appreciation The low rate of housing obsolescence—despite the country’s aging housing stock—is explained by the fact that homeowners are continually investing in home improvements. But these expenditures are not adequately reflected in home price indexes.Will Regulating Large Institutional Investors Actually Make Housing More Affordable? An executive order issued by President Trump seeks to ban large institutional investors from purchasing single-family homes, yet the proposal may not effectively address housing affordability.A 25 Percent Social Security Benefit Cut Would Be the Equivalent of Unemployment Rates Increasing by an Average of 1.8 Percentage Points If the Social Security trust fund is depleted, the income losses from the resulting benefit reductions would be equivalent to the unemployment rate increasing by up to 7.7 percentage points in some US counties.Automatic Enrollment, Not Opt-In, Is the Only Way to Guarantee That Trump Accounts Don’t Leave Behind Children from Low-Income Families Automatic enrollment is the most effective way to ensure all families can benefit from the wealth-building opportunities that Trump accounts offer.To Solve the Affordability Crisis, Start with Better Jobs and Pay Seven evidence-backed strategies state and local policymakers can implement to make life more affordable for working Americans by improving job quality.Don’t Cut Out the Middleman: The Dells’ Pledge to Support Trump Accounts and the Importance of Nonprofit Infrastructure If philanthropy only supports wealth-building programs through direct cash giving, it risks bypassing nonprofits that have built the infrastructure to deliver coaching, financial access, safeguards, and trusted relationships that turn dollars into durable gains. To best support these programs, we
