Research and Reports
NHRC Surveys/Reports
- 2020 Forbearance and Delinquency Survey Results
- 2016 Mortgage Servicing Report: Servicer Compliance with CFPB Servicing Regulations
- National Mortgage Settlement Servicing Standards and Noncompliance: Results of a National Housing Counselor Study (June 2013)
- Released by NCLR in collaboration with NHRC and several civil-rights and housing organizations: Making the Mortgage Market Work for America’s Families (2013)
- Impact of Reduced and Delayed Federal Funding for Housing Counseling (2012)
- Effects of the Housing Counseling Funding Reductions (2012)
- Mortgage Servicing Survey (2012)
Effectiveness of Homeownership Counseling and Financial Education
- The Effectiveness of Pre-Purchase Homeownership Counseling and Financial Management Skills (2014)
- The Benefits of Pre-Purchase Homeownership Counseling (2013)
- Pre-Purchase Counseling Impacts on Mortgage Performance: Empirical Analysis ofNeighborWorks®America’s Experience (2013)
- Has Foreclosure Counseling Helped Troubled Homeowners? (2012)
- The Effects of Foreclosure Counseling for Distressed Homeowners (2012)
- National Foreclosure Mitigation Counseling Program Evaluation (2011)
- Estimating the Effects of Foreclosure Counseling for Troubled Borrowers, (2011)
- Homeownership Education and Counseling: Do we know what works? (2011)
- The Impact of Consumer Credit Counseling on Distressed Mortgage Loan Losses (2011)
- Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis (2010)
- The Impacts of Community-based Foreclosure Prevention Programs (2008)
- Credit Counseling and Mortgage Termination by Income Households (2005)
- A Little Knowledge Is a Good Thing: Empirical Evidence of the Effectiveness of Pre-Purchase Homeownership Counseling (2001)
From HUD
- Foreclosure Counseling, Outcome Study: Final Report (2012)
- Pre-purchase Counseling, Outcome Study: Research Brief (2012)
- The State of the Housing Counseling Industry (2008)
Financial Literacy and Credit
- Analysis of Differences between Consumer and Creditor-Purchased Credit Scores (2012)
- Council for Economic Education
- Corporation for Enterprise Development (CFED)
- Financial Capability Study (FINRA)
- Financial Literacy: An Overview of Practice, Research, and Policy (Federal Reserve)
- Goodbye to Complacency Financial Literacy Education in the U.S. 2000-2005
- National Endowment for Financial Education (NEFE)
Foreclosure
- Justice Unsettled: How the Foreclosure Shadow Docket & Discontinuances Prevent New Yorkers from Saving Their Homes (2012)
- Justice Deceived: How Large Foreclosure Firms Subvert State Regulations Protecting Homeowners (2011)
HAMP
National Mortgage Settlement
Office of Mortgage Settlement Oversight (OMSO)
- Updated National Consumer Relief Data and Interactive Maps (May 2013)
- Ongoing Implementation: A Report from the Monitor of the NMS (Feb. 2013)
- Archived Consumer Relief Maps (Updated 2013)
- Continued Progress Report(Nov. 2012)
- First Take Report (Aug. 2012)
National Foreclosure Mitigation Counseling Program Evaluation
- NFMC Program Congressional Update (2012)
- NFMC Program Evaluation: Final Report Rounds 1 & 2 (2011)
- NFMC Program Evaluation: Preliminary Analysis of Program Effects (2009)
Racial Gap
- Less Than Equal Disparities in Wealth Accumulation (2013)
- Public Policy, Institutional Barriers are Pushing Racial Wealth Gap, (2013)
- The Roots of the Widening Racial Wealth Gap: Explaining the Black-White Economic Divide (2013)
Closing the Racial Wealth Gap Initiative
- Closing the Racial Gap Webinars (2012)
- Racial Wealth Gap Increases Fourfold (2011)
- Laying the Foundation for National Prosperity: The Imperative of Closing the Racial Wealth Gap(2009)
- Policy Briefing: Racial Gap in Debt and Credit (2009)
- Fact Sheet: Racial Gap in Homeownership and Home Lending (2009)
- Fact Sheet: Racial Gap in Savings and Investments (2009)
- Fact Sheet: Racial Gap in Land Retention, Acquisition and Development (2009)
- More publications and materials from the Center for Community and Economic Development