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Research Archive

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September 25, 2024

The Costs of Inaction: Economic Risks from Housing Unaffordability

Chairman Whitehouse, Ranking Member Grassley, and committee members, thank you for the opportunity to testify on this most important topic. History offers a cautionary tale against inappropriate federal action in the…

September 17, 2024

Back to School: Shedding Light on Risks and Harm in the Private Student Lending and Servicing Market

At present there are more than 1.74 trillion dollars in student loans outstanding in the US economy. This is a massive amount of money that represents serious liabilities for millions…