Cover -- Contents -- Introduction -- PART I: CRISIS: ORIGINS AND SOLUTIONS -- 1 The Secondary Market for Housing Finance in the United States: A Brief Overview -- 2 Reasonable People Did Disagree: Optimism and Pessimism About the U.S. Housing Market Before the Crash -- 3 Exploring the Determinants of High-Cost Mortgages to Homeowners in Low- and Moderate-Income Neighborhoods -- 4 Implications of the Housing Market Bubble for Sustainable Homeownership -- 5 A Framework for Consumer Protection in Home Mortgage Lending -- PART II: COMMUNITY IMPACT -- 6 A Profile of the Mortgage Crisis in a Low- and Moderate-Income Community -- 7 Constructive Credit: Revisiting the Performance of Community Reinvestment Act Lending During the Subprime Crisis -- 8 Navigating the Housing Downturn and Financial Crisis: Home Appreciation and Equity Accumulation Among Community Reinvestment Homeowners -- 9 The Community Reinvestment Act: Evaluating Past Performance and Reviewing Options for Reform -- PART III: REFORMING THE FINANCIAL ARCHITECTURE -- 10 Information Failure and the U.S. Mortgage Crisis -- 11 The Expanding Financial Safety Net: The Dodd-Frank Act as an Exercise in Denial and Cover-Up -- 12 A Private Lender Cooperative Model for Residential Mortgage Finance -- 13 Improving U.S. Housing Finance Through Reform of Fannie Mae and Freddie Mac: A Framework for Evaluating Alternatives -- 14 Some Thoughts on What to Do with Fannie Mae and Freddie Mac -- 15 The Road Not Taken: Our Failure in Redoing the Financial Architecture -- List of Contributors -- Index -- A -- B -- C -- D -- E -- F -- G -- H -- I -- J -- K -- L -- M -- N -- O -- P -- Q -- R -- S -- T -- U -- V -- W -- Y -- Acknowledgments.