Explores what caused the housing and mortgage crisis and provides remedies to repair the damage to ensure fairness, protect consumers, and guarantee soundness of the financial system without stifling innovation and overly restricting access to credit and consumer choice - Provided by publisher

"Backed by extensive study of mortgage loans made to low-income Americans over a ten-year period, argues that in the wake of the financial crisis of 2008-09, lenders need not shy away from the low-income as risks but institute equitable and sustainable homeownership policies that include...