Includes bibliographical references and index.

Rebuilding the housing finance system after the boom and bust in nonprime mortgage lending / Eric S. Belsky and Nela Richardson -- How should we serve the short-term credit needs of low-income consumers? / Rachel Schneider and Melissa Koide -- A changing credit environment and its impact on low-income and minority borrowers and communities / Marsha J. Courchane and Peter M. Zorn -- Alternative forms of mortgage finance : what can we learn from other countries? / Michael Lea -- The Home Mortgage Disclosure Act at thirty-five : past history, current issues / Allen Fishbein and Ren Essene -- Loan-level disclosure in securitization transactions : a problem with three dimensions / Howell E. Jackson -- The regulation of consumer financial products : an introductory essay with a case study on payday lending / John Y. Campbell ... [et al.].

"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.