How Place-Based Special Purpose Credit Programs Can Reduce the Racial Homeownership Gap
(SPCPs)—which allow banks to offer credit on favorable terms to borrowers who have suffered economic disadvantage and share common characteristics (e.g., race or income)—could provide the kind of homeownership boost to Black communities today.
Jung Hyun Choi, Liam Reynolds, Vanessa G. Perry February 1, 2022
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