amaliezinn.bsky.social
Housing finance + racial wealth equity research at the Urban Institute
Views my own and do not represent my employer (including WBB takes 🏀)
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It feels more important than ever to do things that make us hopeful and bring us joy. For me, watching and playing basketball serves that need. So here's to the NBA playoffs and the start of the WNBA season -- the joy and hope that will push me to keep fighting for a better, more equitable world 🏀✊
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Lately much of my work and focus has been on preventing housing finance disasters. But times like these call for putting out fires (ex: erosion of FHA) without forgetting what’s been burning (ex: structural racism in housing finance). A better housing finance system is possible - we have to study it
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Congratulations, Manuel! This is wonderful
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Love this work!! Really useful info and thinking - and just a great reminder that “wealth” is not monolithic and how we define it impacts how we understand it, its impacts, and the policies that can alter it. Congrats on this work!
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Reading now that Paoletta says this is because of “cost of living.”
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Re: supervision exams, seeing that Mark Paoletta said that the remaining 50 employees will be relocated to Southeast because of cost of living…
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I’m so sorry, Patrick. I’m such a fan of your work. Thinking of you and all of my former CFPB colleagues. In solidarity, and will be following legal action closely ✊
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Any thoughts on why the Southeast supervision exams gets to keep 48 staff but all other regions have 0?
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On the research side, I worry deeply about the collection and publication of HMDA data. If you’ve ever read reports or research on the mortgage market, the data likely came from HMDA. This is dangerous: we may not be able to monitor disparities and discrimination.
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Absolutely!! We need investments in rental housing and better financing for owner-occupied renovations and NEW units, not the “redistribution” (overly kind word) of existing units, to start to solve the housing crisis
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And how does the loss mit waterfall increase access to credit? www.urban.org/research/pub...
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@urbaninstitute.bsky.social research on the loss mit waterfall - how many loans were saved from foreclosure? www.urban.org/research/pub...
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This appears to be yet another way the administration to chip away at the FHA, a critical resource for first-time homebuyers, low-income homebuyers, and homebuyers of color in particular. But make no mistake: reducing the FHA's capacity will hurt people and communities: www.urban.org/urban-wire/c...
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The rationale was that the loss mit waterfall increased risk to the MMIF, the fund that backs the FHA. Let's be clear: the MMIF is stronger today, post-pandemic, than its been in DECADES. the MMIF is more than 5x the congressionally mandated level. Preventing foreclosures helps the FHA's stability