CURRICULUM VITAE

MICHAEL A. STEGMAN, Ph.D.

Director of Policy and Housing, John D. and Catherine T. MacArthur Foundation, 2007-present

Duncan MacRae‟09 and Rebecca Kyle MacRae Professor Emeritus of Public Policy, Planning and Business

University of North Carolina at Chapel Hill

Founding Director Emeritus, Center for Community Capitalism

Frank Hawkins Kenan Institute of Private Enterprise

University of North Carolina at Chapel Hill

Visiting Professor, Sanford School of Public Policy, Duke University, 2009-present

EDUCATION

Ph.D. University of Pennsylvania (City Planning) 1966

M.C.P University of Pennsylvania (City Planning) 1964

B.A. Brooklyn College, City University of New York (Political Science) 1962

FEDERAL GOVERNMENT APPOINTMENTS

Assistant Secretary for Policy Development and Research, U.S. Dept. of Housing and Urban

Development, June 1, 1993 -June 30, 1997;

Acting Chief of Staff, U.S. Dept of Housing and Urban Development, Nov. 15, 1996-April 30, 1997

Chair, White House Working Group on Clinton Administration‟s National Urban Policy Report, 1994-1995

Member, Clinton Administration Welfare Reform Working Group, 1993-94;

Alternate Head, U.S. Delegation, U.N. Conference on Human Settlements, Habitat II, (the City Summit Istanbul,

Turkey, June 2-14, 1996);

Deputy Assistant Secretary for Research and Evaluation, U.S. Department of Housing and Urban Development,

Washington, D.C., July 1979-January 1981;

Member, White House Inter-Agency Working Group on the Administration's Small Communities and Rural

Development Policy, July 1979-January, 1981;

Chairman, President's Rural Housing Task Force, July 1979-January 1981;

Resident Consultant to the Assistant Secretary for Policy Development and Research, Department of Housing and

Urban Development, Washington, D.C., April, 1978-June, 1979.

OTHER PUBLIC SERVICE

Member, Community Development Advisory Council, Federal Reserve Bank of Richmond 2005-2010

National Research Council Committee to Evaluate the Research Plan of the U.S. Department of Housing and

Urban Development, February 2007-September 2008;

National Research Council/Institute of Medicine Committee on Ethical Issues in Housing

Intervention Research Involving Children, Youth, and Families, 2004-2006; Executive Director, Twentieth Century Fund Task Force on Affordable Housing, March 1990-September 1991;

Consultant and Expert witness to Legal Aid Society of New York, 1988-1992;

(Pro bono) Consultant to the U.S. Senate Housing Subcommittee, 1988-1990;

President, Triangle Housing Partnership, April, 1990; member of the Board, 1988-1992;

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Member, Committee on Affordable Housing of the Public Private Partnership, chapel Hill, 1988-1991;

Member, Chapel Hill Affordable Housing Task Force, March 1986-1987;

Member, Raleigh Housing Task Force, October, 1985-April, 1986;

Chair, Mayor's Task Force on Human Services, Chapel Hill, Aug-1981-Feb 1982;

Member and Chairman of the Housing Policy Committee, North Carolina

Legislative Task Force on Housing, Dec 1981-Feb 1983;

Member and Chairman of The Steering Committee of the Governor's Commission on Housing Options

for Older Adults, March 1981-December 1981;

Chairman, Housing and Redevelopment Commission of Chapel Hill, 1971-1973;

Staff Consultant, North Carolina Legislative Task Force on Housing, 1974;

Commissioner, Public Housing Authority, Chapel Hill, 1970-1971;

Member, Citizens Advisory Committee, Chapel Hill, 1968-70.

PREVIOUS ACADEMIC APPOINTMENTS

Duncan Macrae ‟09 and Rebecca Kyle MacRae Professor of Public Policy and Planning,University of North

Carolina at Chapel Hill, July 1, 1996-June 30, 2006

Chairman, Department of Public Policy, University of North Carolina at Chapel Hill, 1999-2006 Cary C. Boshamer Professor and Chairman, Department of City and Regional Planning,

University of North Carolina at Chapel Hill, NC, January 1992-June 30, 1996 of North Carolina at Chapel Hill, 7/1/83-6/30/93

Founding Chair, Ph.D. Curriculum in Public Policy Analysis, UNC, 7 /1/90-6/30/93

Director, Ph.D. program in City and Regional Planning, UNC, 1973-76

Director, Housing/Real Estate Development Specialization, UNC, 1983-1987

Associate Professor of Planning, UNC, 1969-1973

Assistant Professor of Planning, UNC, 1966-1969

Research Assistant, Institute for Environmental Studies, University of Pennsylvania, 1963-1966

HONORS AND AWARDS

The Thomas Jefferson Award, University of North Carolina 2005-2006

Ned Brooks Distinguished Service Award, University of North Carolina 2003

Tar Heel of the Week, News and Observer, August 6, 2000

Robert W. Ponte Award, New York Regional Chapter of the American Planning Association, 1998

Fellow, Urban Land Institute, elected June 1998

Named one of Washington‟s 100 most influential decision makers by the National Journal, June, 1997

Lambda Alpha International, Richard T. Ely Distinguished Educator Award, 1995

Lambda Alpha International, Washington Chapter, Distinguished Educator Award, 1995

National Planning Award, 1995 Honorable Mention for Best Article, Journal of the American

Planning Association, 1994.

PROFESSIONAL MEMBERSHIPS

American Planning Association

American Institute of Certified Planners

Association for Public Policy Analysis and Management

Citizens Housing and Planning Council of New York

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Lambda Alpha International

National Community Capital Association

National Low Income Housing Coalition

National Association of Housing and Redevelopment Officials

North Carolina Low Income Housing Coalition

The Urban Land Institute

BOARD MEMBERSHIPS

National Research Council Board on Infrastructure and the Constructed Environment 2003-2006

Research Advisory Panel, Housing Assistance Council, 2001-2006

Advisory Board, Center for a New Economy, San Juan, PR 2002-2006

National Board, One Economy Corporation, 2000-2006

National Board, Initiative for a Competitive Inner City (ICIC), October, 1997-2006

Freddie Mac Affordable Housing Advisory Council, Feb. 1998-October 2002

Advisory Board, The Brookings Institution Center for Urban and Metropolitan Policy, July 1, 1997-2000

Board of Directors of World Trade Center North Carolina, 1997-1999

FUNDED RESEARCH (1983-until retirement from UNC in 2006)

Principal Investigator, Continuation of the Community Advantage Panel Study, The Ford

Foundation, October 1, 2004 - September 30, 2005, $1,801,000.

Principal Investigator, Assessing the Community Impacts of the Banc Of America California

Community Development Venture Funds, The Ewing Marion Kauffman Foundation,

August 1, 2004 - July 31, 2007, $312,000

Principal Investigator, Evaluating the U.S. Treasury Department‟s First Accounts Program,

subcontractor to Abt Associates, June 1, 2004 - May 31, 2005, $75,000

Principal Investigator, An Analysis of the Potential to Use North Carolina‟s Escheats Law

as a Source of State Capital for Investment in Double Bottom Line Ventures, The Rockefeller

Foundation, June 15, 2004 - May 14, 2005, $35,000

Co-Principal Investigator, "Evaluating the North Carolina Commissioner of Banks VITA/EITC

Banking Project, N.C. Commissioner of Banks, $98,000, May, 2004 - April, 30, 2005

Principal Investigator, Community Advantage Panel Study, The Ford Foundation,

October 1, 2003 - September 30, 2004, $2,166,746

Principal Investigator, A Banking Pilot for Low-Income North Carolina Families,

Freddie Mac Corporation, May 1, 2003 - October 31, 2003, $25,000

Principal Investigator, Analysis of Subprime Mortgage Lending, Center for Responsible Lending,

March 1, 2003 - February 28, 2005, $170,016

Principal Investigator, An Empirical Analysis of Inner City Census Tracts: 1990-2000,

The Brookings Institution, January 1, 2003 - December 31, 2003, $50,000

Principal Investigator, Designing a Pilot Program to Draw Low-Income Unbanked N.C. Families Into

the Financial Mainstream, Annie E. Casey Foundation, July 1, 2002 - June 30, 2003, $50,000

Principal Investigator, Community Capitalism Policy Topics Affecting Working Families,

The Brookings Institution, January 1, 2002 - August 31, 2003, $25,000

Principal Investigator, Wealth Accumulation and Social Capital Among Low-Income Renters,

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The Ford Foundation, October 1, 2001 - September 30, 2003, $1,256,368

Principal Investigator, Wealth Accumulation and Social Capital Among Low-Income Renters,

The Ford Foundation, October 1, 2001 - September 30, 2003, $1,256,368

Principal Investigator, Using Technology to Reach more Minority & Low Income Homebuyers,

The Ford Foundation, October 1, 2001 - June 30, 2003, $96,517

Principal Investigator, Implications of Automated Underwriting and Loan Servicing on Low and

Moderate Income Households, The Ford Foundation, October 1, 2001 - September 30, 2002, $96,000

Principal Investigator, Continuing Research on the Unbanked and Asset-Building Policies,

The Ford Foundation, September 1, 2001 - December 31, 2003, $250,000

Principal Investigator, Potentials and Pitfalls of Electronic Funds Transfer of Governmental

Benefits, The Ford Foundation, July 1, 2000 - December 31, 2003, $269,000

Principal Investigator, North Carolina Financial Services Survey, North Carolina Department of

Health and Human Services, September 2000 - December 2001, $197,000

Principal Investigator, Electronic Banking and the Poor (II), The Ford Foundation,

July 2000 - December 31, 2001, $268,000

Principal Investigator, Evaluation of the Community Advantage Secondary Mortgage Market

Demonstration Program, The Ford Foundation, July 1, 1999 - September 30, 2003, $2,100,000

Principal Investigator, Case Studies of Innovative Business/Community Development Partnerships,

Social Compact, March 1999 - July 2001, $100,000

Principal Investigator, Evaluation of Welfare to Work in Three Public Housing Authorities,

The Noah Group, September 1998 - August 2001, $123,000

Principal Investigator, Electronic Banking and the Poor (I), The Ford Foundation,

July 1, 1998 - June 30, 2000, $150,000

Principal Investigator, Affordable Housing 2000, The Center for Housing Policy,

July 1, 1998 - June 30, 2000, $200,000

Innovations in State and Local Housing Policy, The Urban Land Institute,

July, 1997 - September 30, 1998, $47,000

The Quieter Housing Preservation Crisis, The Fannie Mae Foundation,

December, 1997 - December, 1999, $20,000

Co-principal Investigator, Assessment of the Mixed Income New Communities Strategies Demonstration

(MINCS), Chicago, November 1992 - October 1996, (Ford Foundation), $100,000

Principal Investigator, "National Urban Policy Revisited: Alternative Approaches for CED Consideration",

The Committee on Economic Development, April 1992 - October 1992, $5,000

Co-principal Investigator, "An Evaluation of Charlotte's Gateway Housing Program",

The Ford Foundation, January 1991 - June 1996, $250,000

Co-principal Investigator, Analyses of the 1991 New York City Housing and Vacancy Survey, New York

City Department of Housing Preservation and Development, July 1, 1991 - June 30, 1993, $122,500

Principal Investigator, An Assessment of Three Routes to Resident Empowerment,

The Ford Foundation, April 1, 1990 - December 31, 1990, $56,000

Principal Investigator, "Why Privatize Public Housing?" The Twentieth Century Fund,

April 30,1989 - December 31, 1990, $46,500

Co-Principal Investigator, Evaluation of Chapel Hill's Affordable Homeownership Demonstration,

April 1989 - December 31, 1989, $l4,850

Co-Principal Investigator, The Social Impacts of Homeownership on Lower Income Families,

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The Ford Foundation, July 1, 1988 - June 30, 1993, $235,000

Principal Investigator, The Mortgage Credit Certificate Program: A Cost- Effective Alternative to Mortgage

Revenue Bonds, North Carolina Housing Finance Agency, June 1, 1988 - January 31, 1989, $10,723

Principal Investigator, Evaluation of Conditions of Supply and Demand for Housing in New York City, New

York City Department of Housing Preservation and Development, April 1987 - July 1988, $64,550

Principal Investigator, Evaluation of Conditions of Supply and Demand for Housing in New York City,

N.Y.C. Department of Housing Preservation and Development, July 1, 1984 - March 31, 1985, $59,085

Co-Principal Investigator, Evaluation of the National Public Housing Homeownership Demonstration, U.S.

Department of Housing and Urban Development, January 1, 1986 - August 31, 1990, $291,217

Principal Investigator, Assessment of Innovative State and Local Low Income Housing Programs,

The Urban Land Institute, September 1986 - August 1987, $29,125

Principal Investigator, Evaluation of Alternative Local Revenue Sources to Finance Infrastructure,

U.S. Department of Housing and Urban Development, October 1983 - March 1985, $83,348

PUBLICATIONS

BOOKS

Savings and the Poor: The Hidden Benefits of Electronic Banking, Washington, D.C.,

Brookings Press, 1999, 215 pages.

State and Local Affordable Housing Programs: A Rich Tapestry, Washington, D.C.,

The Urban Land Institute, 1999, 226 pages.

More Housing More Fairly, Report of the Task Force on Affordable Housing New York,

The Twentieth Century Fund, 1991, 144 pages.

Nonfederal Housing Programs: How States and Localities Are Responding to Federal Cuts in Low Income

Housing Programs, The Urban Land Institute, Washington, D.C., 1987, 231 pages. (with David Holden)

Paying for Growth: Using Development Fees to Finance Infrastructure, The Urban Land Institute,

Washington, D.C., 1986, 135 pages. (with Thomas P. Snyder)

Housing Finance and Public Policy: Case Studies and Readings, Van Nostrand Reinhold Cop.,

New York, 1986, 290 pages

The Dynamics of Rental Housing in New York City, Center for Urban Policy Research,

Rutgers, New Brunswick, 1983, 251 pages.

Housing in New York: Study of a City, 1984, Center for Urban Policy Research,

Rutgers, New Brunswick, 1985, 289 pages

Nonmetropolitan Urban Housing: An Economic Analysis of Problems and Policies,

Ballinger, Cambridge: (with Howard J. Sumka) 1976, 304 pages.

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Housing Investment in the Inner City: The Dynamics of Decline, Cambridge, 1972:

The M.I.T. Press, 289 pages

Editor: Housing and Economics: The American Dilemma, Cambridge, 1971,

The M.I.T. Press, 517 pages.

CHAPTERS IN BOOKS

Back to the Future: A Historical Perspective on a Forward-Looking Housing Policy for the 21st Century,

inTimothy N. Castano and David Sattin, editors, Mount Laurel II at 25: The Unfinished Agenda of Fair

Share Housing, Woodrow Wilson School of Public & International Affairs, 2008, pp. 71-77.

An Affordable Homeownership Strategy that Promotes Savings Rather than Risk, in John Edwards, Marion

Crain, Arne Kalleberg, editors, Ending Poverty in America: Restoring the American Dream, The New Press

2007.

Co-Author, The Wealth-Creating Potenital of Homeownership: A Preliminary Assessment of Price

Appreciation Among Low-Income Homebuyers, in William M. Rohe, and Harry L. Watson (eds.) Chasing

the American Dream: New Perspectives on Affordable Homeownership. Ithaca, N.Y.: Cornell University

Press, 2007.

Co-Author, The Impacts of IDA Programs on Family Savings and Asset-Holdings, forthcoming in Michael

Sherraden et al., editors, Inclusion in the American Dream: Assets: Poverty and Public Policy, Oxford

University Press, 2005 (with Robert Faris).

“Banking the Unbanked: Connecting Residents of Social Housing to the Financial Mainstream,” In

Managing Housing and Social Change, Ray Forest and James Lee, editors. London: Routledge, 2003,

pp. 199-220.

“The Performance of Community Reinvestment Loans: Implications for Secondary Market Purchase.” In

Low Income Homeownership: Examining the Unexamined Goal, Nicolas P. Retsinas and Eric S. Belsky,

editors. Washington, D.C.: The Brookings Institution Press, 2002, pp. 348-374. (with Roberto G.

Quercia, Walter R. Davis, and Eric Stein).

“Homeownership and Wealth in the United States.” In Housing and Family Wealth: Comparative

International Perspectives, Ray Forest and Alan Murie, editors. Routledge: London, 1995, pp. 86-107.

(with Joanna Brownstein and Kenneth Tempkin).

"An Alternative to Mortgage Revenue Bonds: An Evaluation of the Mortgage Credit Certificate Program of

the North Carolina Housing Finance Agency." In Mortgage Revenue Bonds: Housing Markets, Home

Buyers and Public Policy, Danny W. Durning, editor. Boston: Kluwer Academic Publishers, 1991, pp.

135-160. (with D. Stebbins).

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"Remedies for Homelessness: An Analysis of Potential Housing Policy and Program Responses." In

Homeless Children and Youth, Julia H. Cryder-Coe, Lester M. Salamon and Janice M. Bolnar, editors.

New Brunswick: Transaction Publishers, 1991, pp. 225-269.

"The Role of Public Housing in a Revitalized National Housing Policy." In Building Foundations: Housing

and Public Policy, Langley Keyes and Denise DiPasquale, editors. Philadelphia: University of

Pennsylvania Press, 1990, pp. 333-364.

"Remedies for Homelessness: An Analysis of Potential Housing Policy and Program Responses." In

Homeless Children and Youth: Coping with a National Tragedy, Julia Kryder-Coe, editor. New

Brunswick: Transaction Publishers, l990.

"Housing in the 1990s, A U.S. Perspective," In Housing in the '90s: Common Issues, Robert Katz, editor,

University of Illinois at Urbana-Champaign, pp. 11-22.

"Housing Finance," In The Deregulation of Housing, Willem van Vliet and Jan van Weesep, editors, Sage,

Beverly Hills, 1990, pp. 153-157.

"Critical Issues in Public Housing," In National Housing Policy Issues, U.S. General Accounting Office,

Washington, D.C., August 1989, pp. 39-46

Introductory essay, Chapter 4, "Housing," in The Best of Planning, Ruth Knack, editor,

Chicago, APA Press, 1989, pp. 245-249.

"Toward a Fully Funded Low Income Housing Budget for New York City," Setting Municipal Priorities,

1988, Charles Brescher and Raymond D. Horton, editors, New York University Press, New York City,

1988, pp.197-219.

"An Economic Analysis of a Distressed Neighborhood Housing Market," in Real Estate Market Analysis:

Methods and Applications, John M. Clapp and Stephen D. Messner, editors, Praeger, New York, 1988,

pp. 111-129. (with Ann D. Witte)

“Rentals, Condos and Co-ops: Which Gives More Bang for the Government Bucks?” in Housing Policies in

the Eighties: Choices and Outcomes, Chester Hartman and Sara Rosenberry, editors, Praeger, New York,

1988.

State and Regional Housing, in The Practice of State and Regional Planning, So, et.al., editors, APA

Planners Press, 1987, pp. 403-430. (with Feather O'Connor)

"The Model: Rent Control in New York City," in The Rent Control Debate, Paul L. Niebanck, editor,

Chapel Hill, The University of North Carolina Press, 1986, pp. 29-56.

"Economic Analysis and Inclusionary Housing Programs," in Inclusionary Zoning Moves Downtown, Phil

Tegeler, editor, Chicago, APA Press, 1986, pp. 99-103.

"Housing Displacement," in Housing An Aging Society, Lawton, Newcomer and Byerts, editors, New York,

VanNostrand Reinhold, 1986, pp. 151-160.

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"The New Financing Programs for Housing," in The Unsheltered Women, Eugenia Birch, editor,

Center for Urban Policy Research, New Brunswick, 1985, pp. 283-294.

"Housing and the Elderly," in Aging: A Public Health Perspective, H.T. Phillips and S.A. Gaylord,

editors, New York, Springer Publishing Co., 1985, pp. 147-179.

"Trouble for Multifamily Housing: Its Effects on Conserving Older Neighborhoods," Occasional Papers in

Housing and Community Affairs, Volume 2, (Washington: U.S. Department of Housing and Urban

Development, 1978), pp. 233-271; reprinted in HUD's FHA Section 223(f) Mortgage Refinancing

Insurance Program for Multifamily Buildings, Hearing before the Subcommittee on Government

Operations, House of Representatives, Washington, D.C., October 3,1978, pp. 75-120.

"Low Income Housing," Encyclopedia of Social Work, New York: National Association of Social Workers,

1971.

"Home Ownership Opportunities for the Poor: An Exploration and Analysis," Encyclopedia of Social Work,

New York: National Association of Social Workers, 1971.

ARTICLES

“The Community Reinvestment Act: Outstanding, and Needs to Improve” in Revisiting the CRA:

Perspectives on the Future of the Community Reinvestment Act, Community Development Investment

Review, Federal Reserve Bank of San Francisco, Issue 5, No. 1, February 2009, (with Roberto Quercia and

Janneke Ratcliffe.)

Preventive Servicing Is Good for Business and Affordable Homeownership Policy, Housing Policy Debate,

Volume 18 Issue 2, 2007, (with Roberto G. Quercia, Janneke Ratcliffe, Lei Ding, and Walter R. Davis.)

Neighborhood Patterns of High-Cost Lending: The Case of Atlanta, Journal of Affordable Housing, Vol. 17,

No. 3, Spring 2008, p. 193-217 (with Lei Ding, Janneke Ratcliffe, and Roberto G. Quercia)

An Overlooked Source of Emerging Domestic Market Capital: Can Anyone Spell „Escheats?‟, Community

Development Investments Review, Federal Reserve Bank of San Francisco, Vol. 3, Issue 1, pp. 85-90.

“The Determinants of Home Price Appreciation Among Community Reinvestment Homeowners,” Housing

Studies, Vol. 22, No. 3 May 2007 pp. 385-412, (with Roberto G. Quercia and Walter R. Davis)

Payday Lending, Journal of Economic Perspectives, Volume 21, Number 1 Winter 2007, pp. 169-190.

“An Assessment of the Impacts of North Carolina‟s Predatory Lending Law,” Housing Policy Debate, Vol.

15, No. 3, pp. 573-601. (with Roberto G. Quercia and Walter R. Davis.)

“The Earned Income Tax Credit as an Instrument of Housing Policy,” Housing Policy Debate, Vol. 15, No.

2, pp.203-260. (with Roberto Quercia and Walter Davis).

9

“Payday Lending: A Business Model that Encourages Chronic Borrowing,” Economic Development

Quarterly, 17 (1): 8-32, 2003 (with Robert Faris).

“Bringing More Affordable Financial Services to the Inner City: The Bethex Federal Credit Union/RiteCheck

Cashing, Inc., Partnership,” Building Blocks, Winter 2002, Vol. 3, No. 3. Fannie Mae Foundation (with

Jennifer Lobenhofer).

“The Fall and Rise of Public Housing,” Regulation Magazine: The Cato Review of Business and

Government.

Summer 2002: 64-70.

"Toward a More Performance-Driven Service Test: Strengthening Basic Banking Services under the

Community Reinvestment Act." Georgetown Journal of Poverty Law and Policy, 9 (2): 405-452. 2002.

“Does a High Tech Boom Worsen Housing Problems for Working Families?” Housing Policy Debate, 13

(2): 393-416. 2002 (with Roberto G. Quercia, and Walter R. Davis)

“ Creating a Scorecard for the CRA Service Test: Strengthening Banking Services Under the Community

Reinvestment Act, Policy Brief No. 96, The Brookings Institution, March 2002: 8 pages (with Kelly

Cochran and Robert Faris)

“Banking the Unbanked: Untapped Market Opportunities for North Carolina‟s Financial Institutions, The

North Carolina Banking Institute Journal, Vol 5, April 2001: 23-48.

“The Policy Implications of Payday Lending, Popular Government, University of North Carolina, Spring,

2001.

“Facing the New Suburban Housing Crunch,” Blueprint, Fall 2000: 54-57 (with Roberto Quercia and Walter

Davis)

Housing America’s Working Families, Center for Housing Policy, New Century Housing, Vol 1(1), June

2000,

48 pages. (with R. Quercia, and G. McCarthy)

“The Rationale for a National Urban Policy,” Papers in Regional Science, The Journal of the Regional

Science Association International, Vol 76(1): i-iv, 1997.

“Beginnings of HUD‟s University Partnerships” Metropolitan Universities, Vol. 6(3): 97-108, 1996.

“Recent Urban Change and Policy Initiatives,” Urban Studies, Vol. 32(10): 1601-1606, 1995.

“The Effects of Homeownership on the Self-Esteem, Perceived Control and Life Satisfaction of Low-Income

People,” Journal of the American Planning Association, Vol. 60(2): 173-184, Spring 1994.

(with William M. Rohe)

“Impact of Homeownership on the Social and Political Involvement of Low-Income People,” Urban Affairs

Quarterly, Vol. 30(1): 152-172, Sept. 1994. (with William M. Rohe)

10

"Issues in the Design of Locally-Sponsored Homeownership Programs", American Planning Association,

Journal of the American Planning Association, Vol 59(4): 417-432, Autumn 1993. (With M. Luger)

"Residential Mortgage Default: A Review of the Literature," Journal of Housing Research. Vol 3(2), 1992.

(with R. Quercia)

"Rates of Return on Housing of Low- and Moderate-Income Owners", AREUEA Journal, Vol. 19(3): 417-

425,

1991. (with W. Rohe and H. Pollakowski), Special Issue on House Price Indexes, February 1992. (with

H. Pollakowski and W. Rohe)

"Public Housing Homeownership" Will it Work and for Whom?" Journal of the American Planning

Association, Winter, 1992. (with W. Rohe).

"Using the Panel Study of Income Dynamics (PSID) to Evaluate the Affordable Characteristics of Alternative

Mortgage Instruments and Homeownership Assistance Programs," Journal of Housing Research, Vol. 2

(2): 144-157, 1992. (with R. Quercia, G. McCarthy and W. Rohe)

"Designing Better Homeownership Assistance Programs Using the Panel Study of Income Dynamics (PSID):

An Exploratory Analysis," Journal of Housing Research, Vol 2(1): 39-85. (with R. Quercia, G.

McCarthy, M. Foster and W. Rohe)

"The Excessive Costs of Creative Finance: Growing Inefficiencies in the Production of Low-Income

Housing," Housing Policy Debate, Vol 2(2): 67-83, 1991.

"A Bush/Kemp Report Card," Journal of Housing, Vol. 47(5): 237-251, Sept/October 1990. "A Glimmer of HOPE: HUD Priorities for the 1990s," Urban Land, Vol 49(7): 16-19, July 1990.

"The Ethical Implications of the HUD Scandals," The APA Journal, Autumn, pp. 481-483, 1989.

"People and Housing in the 1990s," Sen V (Dutch Planning and Journal), September, pp. 334-337,1988.

"Maximizing A Social Investment: The Increasing Value of Public Housing," Crit, 20, Spring, pp.12-15,

1988.

"Preserving Public Housing," Progressive Architecture. October, p. 88, 1988.

"Who Bears the Burden of Development Impact Fees?" Journal of the American Planning Association, Vol

54: 49-55, Winter 1988. (With Forrest E. Huffman, Arthur C. Nelson & Marc T. Smith)

"Planners and Tax Reform," Journal of the American Planners Association, Commentary, Summer, pp. 299-

302, 1987. (with Chris Nelson)

"Public/Private Partnerships to Promote Low Income Housing," Urban Land, Vol 46(7): 12-17, July 1987.

(with J. David Holden)

11

"States, Localities Respond to Federal Housing Cutbacks," The Journal of State Government, Vol 60(3):

110-116, May/June 1987. (with J.D. Holden); reprinted in Public Management, Vol 69(11): 2-8,

November 1987.

"Development Fees in Theory and Practice," Urban Land, Vol 46(4): 2-6, April 1987.

"Financing the Public Costs of Growth," Government Finance Review, Summer, pp. 23-29, 1986.

(with Thomas Snyder) "Impact Fees," Transportation Research Circular, Number 311, Transportation Research Board, National

Research Council, December, pp. 4-12, 1986.

"Development Fees for Infrastructure," Urban Land, "Teaching Real Estate in Planning Schools," Urban

Land,

Vol 45(1): 10-14, January 1986. (with Emil Malizia)

"Paul Davidoff: Symbol and Substance," Journal of the American Planning Association, Summer, pp. 375-

377, 1985.

"The States Chip In: Adjusting to the Reagan Administration's Housing Policy," Planning, American

Planning Association, Vol 50(1): 16-20, January 1984.

"Lowering Housing Costs: Leveraging CD Funds," Journal of Housing, Vol 40(6): 180-183, Nov/Dec 1983.

"What Should a State Housing Policy Contain?" North Carolina Center for Public Policy Research, NC

Insight, Vol. 5(2): 34-35, August 1982.

"The President's Commission Calls for Vouchers: Some Reflections and Concerns," The Journal of Housing,

December, 1981.

"Technicians as Policy Makers: The Case of Housing Finance Agencies," Journal of Housing, October, pp.

478-481, 1981.

"Housing Block Grants: legislation is unlikely this year," Journal of Housing, Vol. 38, No. 6, June, pp. 317-

324, 1981.

Co-author, "Neighborhood Stability in Changing Cities," The American Economic Review, Vol 70(2): 415-

419, May 1980. (with David Rassmussen).

"Neighborhood Classification and the Role of the Planner in Seriously Distressed Communities," APA

Journal, October, pp. 495-505, 1979.

"Multifamily Distress: A Case for National Action," Journal of the American Real Estate and Urban

Economics Association, Summer, pp. 77-94, 1979.

"Comments on Regional Differences in Central City Housing Quality," in Urban Housing, Proceedings of

the Fourth Annual Conference of the Federal Home Loan Bank of San Francisco, 1979.

Co-author, "An Economic Analysis of Public Housing in Small Cities," Journal of Regional Science,

12

Vol 18(3): 395-410, 1978. (with Howard J.Sumka)

Co-author, "Income Elasticities of Demand for Rental Housing in Small Cities," Urban Studies, Vol. 15: pp.

51-61, 1978. (with Howard J. Sumka)

"The Neighborhood Effects of Filtering," Journal of the American Real Estate and Urban Economics

Association, Summer, pp. 227-241, 1977.

Co-author, "Nonmetropolitan and Inner-City Housing Investment Markets," Journal of the American Real

Estate and Urban Economics Association, Vol. 2, Fall, pp. 81-100, 1974. (with Howard J. Sumka)

"Housing Finance Agency: Are They Critical Instruments of State Government?" Journal of the American

Institute of Planners, Vol. 40(5): 307-320, September 1974; reprinted in Management and Control of

Growth, Randall W. Scott, et. al. editors, Washington: The Urban Land Institute, 1975; also in Housing:

1973-74, edited by George Sternlieb, New Brunswick: Center for Urban Policy Research, 1975.

Co-author, "The Market Effects of a Direct Cash Assistance Program in Nonmetropolitan Cities," Journal of

the American Real Estate and Urban Economics Association, Vol. 3(3), Winter 1975. (with Howard J.

Sumka)

"State Housing Finance Agencies; The American Experience," Journal of Local Finance, The Hague: Centre

International Pour le Credit Communal, Vol 4(4): 3-16, June 1975.

Co-author, "The Economics of Landlord Tenant Reform in Smaller Cities," Popular Government, Institute of

Government: The University of North Carolina at Chapel Hill, Chapel Hill, January, pp. 1-14, 1975.

(with Howard J. Sumka)

"Low-Income Ownership, Exploitation and Opportunity," Journal Urban Law, University of Detroit School

of Law, Vol 50(3): 371-403, February 1973.

"Private Investment and Public Housing: A Review of Recent Exploitation," Urban Affairs Quarterly,

December, pp. 161-179, 1972.

"National Housing and Land-Use Policy Conflicts," The Journal of Urban Law, Vol 49(4): 629-666, May

1972.

"Kaiser, Kerner and Douglas on Low-Income Housing Policy," Journal of the American Institute of

Planners, Vol. XXXV(6): 422-447, November 1969; reprinted in Housing Urban America, Pynoos,

Schafer, Hartman, editors, Chicago: Aldine, 1973.

"The Myth of the Slumlord," Journal of the American Institute of Architects, October, pp. 45-49, 1970.

"Accessibility Models and Residential Location, "Journal of the American Institute of Planners, Vol.

XXXV(1): 22-29, January 1979.

Co-author, "Urban Social Policy, Race and the Education of Planners," Journal of the American Institute of

Planners, Vol. XXXIV(5): 275-286, September 1968. (with Michael P. Brooks)

"Comment on Public Housing or Income Supplements--The Economics of Housing for the Poor," Journal of

the American Institute of Planners, Vol. XXXIV(5), May 1968.

13

"Slumlords and Public Policy," Journal of the American Institute of Planners, Vol. XXXIII, No. 5,

November 1967; reprinted in The Appraisal Journal, Vol. XXXVI, No. 2, April 1968; also in Appraisal

Digest, Vol. XIX(4), October, November, December 1968.

Co-author, "Quantitative Evaluation and Its Place in the Planning Process," Planning Comment, Vol. III(2),

University of Pennsylvania, 1966. (with J. Coleman and R. Etherington)

"The Non-White Housing Problem in Philadelphia," Planning Comment, Vol. III(1), University of

Pennsylvania, 1964.

Revised October 2011