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Articles and analysis on today's issues
In the news:
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Summary
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.
How HUD and public housing authorities can support students Nationwide, nearly 30 percent of all low-income children of color live in HUD-assisted housing.Rules of Thumb: Can a simple message reduce your credit card balance? Simple rules of thumb, even if they’re not as detailed as other forms of financial education, might help people improve their financial decisionmaking.We’re still shortchanging women when it comes to mortgages We need to develop more accurate measures of risk to ensure we aren’t denying mortgages to people who are fully able to make good on their payments.How Moving to Work could teach us about the benefits and costs of car access Moving to Work offers an excellent platform for learning systematically about low-income people’s travel choices.What new programs and policies should public housing authorities be testing? Our systems for delivering housing assistance to America’s poorest families are facing critical challenges and are in desperate need of innovation.Squeaky-clean loans lead to near-zero borrower defaults—and that is not a good thing Laurie Goodman: It’s time to lend again to borrowers with less-than-perfect credit.
