REFEREED PUBLICATIONS

J. Michael Collins, Carolina Reid, and Carly Urban (2015). “Sustaining Homeownership after Delinquency: The Effectiveness of Loan Modifications by Race and Ethnicity,” Cityscape: A Journal of Policy Development and Research 17(1): 163-187.

White, Alan and Carolina Reid (2013). “Saving Homes? Bankruptcies and Loan Modifications in the Foreclosure Crisis,” Florida Law Review 65: 1713-1752.

Kuklinski, Margaret R., J. David Hawkins, Robert D. Plotnick, Robert D. Abbott and Carolina K. Reid (2013). “How Has the Economic Downturn Affected Communities and Implementation of Science-Based Prevention in the Randomized Trial of Communities That Care?” American Journal of Community Psychology 51 (3-4): 370-384.

Ding, Lei, Roberto G. Quercia, Carolina Reid and Alan White (2012). “The Impact of Federal Preemption of State Anti-predatory Lending Laws on the Foreclosure Crisis," Journal of Policy Analysis and Management 31(2): 367-387.

White, Alan, Carolina Reid, Lei Ding, and Roberto G. Quercia (2011). “The Impact of State Anti-Predatory Lending Laws on the Foreclosure Crisis,” Cornell Journal of Law and Public Policy 21(2): 247- 290.

Ding, Lei, Roberto G. Quercia, Carolina Reid and Alan White (2011). “State Anti-Predatory Lending Laws and Neighborhood Foreclosure Rates,” Journal of Urban Affairs 33(5): 451-467.

Laderman, Elizabeth and Carolina Reid (2010). “Mortgage Lending on Native American Reservations: Does a Guarantee Matter?” Journal of Housing Economics 19(3): 233-242.

Reid, Carolina, Ed Liebow, and Gabrielle O’Malley (2006). “Building Community during HOPE VI Redevelopment: Lessons from a Seattle Case Study,” Human Organization 65(2): 192-202.

BOOK CHAPTERS

Reid, Carolina (2014). “The Promises and Pitfalls of Homeownership,” pp. 123-150 in The Assets Perspective: The Rise of Asset Building and its Impact on Social Policy, edited by Reid Cramer and Trina R. Williams Shanks.   New York, NY: Palgrave Macmillan.

Reid, Carolina (2014). “To Buy or Not to Buy? Understanding Tenure Preferences and the Decision-Making Processes of Lower-Income Households,” pp. 143-171 in Homeownership Built to Last: Lessons from the Housing Crisis on Sustaining Homeownership for Low-Income and Minority Families, edited by Eric S. Belsky, Christopher E. Herbert, and Jennifer H. Molinsky. Washington, DC: Brookings Institution Press.

Reid, Carolina and Elizabeth Laderman (2011). “Constructive Credit: Revisiting the Performance of Community Reinvestment Act Lending During the Subprime Crisis,” pp. 159-186 in The American Mortgage System: Rethink, Recover, Rebuild, edited by Marvin Smith and Susan Wachter.  Philadelphia, PA: University of Pennsylvania Press.

Reid, Carolina (2007). “Locating the American Dream: Assessing the Neighborhood Benefits of Homeownership” pp. 233-262 in Chasing the American Dream:  Interdisciplinary Perspectives on Affordable Homeownership, edited by William Rohe and Harry Watson. Ithaca, NY: Cornell University Press.

Reid, Carolina, Clare Newstead and Matthew Sparke (2002). “Ideology, Resistance, and the Cultural Geography of Scale-Jumping,” pp. 485-497 in The Handbook of Cultural Geography, edited by K. Anderson et al. London, UK: Sage Publications.

UNDER REVIEW

Reid, Carolina, Carly Urban, and J. Michael Collins (2014). “Rolling the Dice on Foreclosure Prevention: Differences across Mortgage Servicers in Loan Modifications and Loan Cure Rates,” Housing Policy Debate (under review R&R).

Reid, Carolina (2015).  “Navigating the Dual Mortgage Market: The Experiences of Subprime Homebuyers in California,” Housing Studies (under review).

Reid, Carolina, Debbie Bocian, Wei Li, and Roberto Quercia (2015). “Revisiting the Subprime Crisis: The Dual Mortgage Market and Mortgage Defaults by Race and Ethnicity,” Journal of Urban Affairs (under review).

WORKING PAPERS

Reid, Carolina and Lauren Lambie-Hanson (2015). “Stuck in Subprime? Examining the Barriers to Refinancing for Subprime Borrowers,” Federal Reserve Bank of Philadelphia Working Paper, 2015.

Reid, Carolina, Carly Urban, and J. Michael Collins (2014). “Servicer Heterogeneity: Does Servicing Matter for Loan Cure Rates?” Fisher Center for Real Estate and Urban Economics Working Paper, October 2014.

Reid, Carolina and Roberto Quercia (2013). “Risk, Access and the QRM Reproposal,” Center for Community Capital Research Report, September 2013.

Reid, Carolina (2013). “To Buy or Not to Buy? Understanding Tenure Preferences and the Decision-Making Processes of Lower-Income Households,” Joint Center for Housing Studies Working Paper, Harvard University, June 2013.

Schildt, Chris, Naomi Cytron, Elizabeth Kneebone, and Carolina Reid (2013). “The Subprime Crisis in Suburbia: Exploring the Links between Foreclosures and Suburban Poverty,” Federal Reserve Bank of San Francisco Working Paper 2013-02.

Reid, Carolina with Ellen Seidman, Mark Willis, Lei Ding, Josh Silver, and Janneke Ratcliffe (2013). “Debunking the CRA Myth – Again,” Center for Community Capital Research Report, January 2013.

Quercia, Roberto, Lei Ding, and Carolina Reid (2013). “Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages,” Center for Community Capital Working Paper, January 2012.

Reid, Carolina (2010). “Sought or Sold? Social Embeddedness and Consumer Decisions in the Mortgage Market," Federal Reserve Bank of San Francisco Working Paper 2010 - 09. 

Collins, J. Michael and Carolina Reid (2010). “Who Receives a Mortgage Modification? Race and Income Differentials in Loan Workouts,” Federal Reserve Bank of San Francisco Working Paper 2010 - 07.

Laderman, Elizabeth and Carolina Reid (2010). “The Community Reinvestment Act and Small Business Lending in Low- and Moderate-Income Neighborhoods during the Financial Crisis,” Federal Reserve Bank of San Francisco Working Paper 2010 - 05. 

Reid, Carolina and Elizabeth Laderman (2009). “The Untold Costs of Subprime Lending: Examining the Links among Higher-Priced Lending, Foreclosures and Race,” Federal Reserve Bank of San Francisco Working Paper 2009 - 09.

Reid, Carolina (2004). “Achieving the American Dream? A Longitudinal Analysis of the Homeownership Experiences of Low-Income Households.” CSDE Working Paper No. 04-04, University of Washington, Seattle.

POLICY REPORTS, BRIEFS & ARTICLEs

Reid, Carolina, with signatories (2014). “Comment on the proposed rule amending Regulation C to implement amendments to the Home Mortgage Disclosure Act (HMDA) made by section 1094 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank),” submitted to the Consumer Financial Protection Bureau, October 28, 2014.

Reid, Carolina and Sarah Berke, eds. (2014). “Innovations in Neighborhood Stabilization: Responses to the Foreclosure Crisis,” Community Development Investment Review 9(2), Federal Reserve Bank of San Francisco.

Bocian, Debbie, Wei Li, Carolina Reid, and Roberto Quercia (2011). Lost Ground, 2011: Disparities in Mortgage Lending and Foreclosures. Center for Responsible Lending Research Report, November 2011.

Reid, Carolina and Elizabeth Laderman (2010). “The Untold Costs of Subprime Lending:  Examining the Links among Higher-Priced Lending, Foreclosure, and Race in California,” in Proceedings of the 46th Annual Bank Structure Conference, Federal Reserve Bank of Chicago.

Reid, Carolina (2011). “Building Communities and Improving Health: Finding New Solutions to an Old Problem,” Community Investments 22(3): 3-10.

Reid, Carolina (2010). “Shuttered Subdivisions: REOs and the Challenges of Neighborhood Stabilization in Suburban Cities,” in REO & Vacant Properties: Strategies for Neighborhood Stabilization, A Joint Publication of the Federal Reserve Banks of Boston and Cleveland and the Federal Reserve Board.

Reid, Carolina (2009). “Confronting the “Second Wave of the Tsunami”: Stabilizing Communities in the Wake of Foreclosures,” Community Development Investment Review 5(1): 1-6.

Reid, Carolina (2009). “Sustaining Homeownership: The Experience of City-Based Affordable Homeownership Programs,” Community Investments 21(2): 27-30.

Reid, Carolina (2009). “An Apple or a Donut? How Behavioral Economics Can Improve Our Understanding of Consumer Choices,” Community Investments 21(2): 8-10.

Laderman, Elizabeth and Carolina Reid (2009). “CRA During the Subprime Meltdown,” in Revisiting the CRA: Perspectives on the Future of the Community Reinvestment Act, A Publication of the Federal Reserve Banks of Boston and San Francisco, February 2009.

Erickson, David, Carolina Reid, and Alan Berube eds. (2008). The Enduring Challenge of Concentrated Poverty in America: Case Studies from Communities across the U.S.  A Joint Publication of the Federal Reserve System and the Brookings Institution.

Reid, Carolina (2009). “Addressing the Challenges of Unemployment in Low-Income Communities,” Community Investments 21(1): 3-7.

Reid, Carolina (2008). “Return on Investment: The Mixed Balance Sheet of Community Development Research,” Community Investments 20(3): 22-23.

Reid, Carolina (2007). “Back to School: Prioritizing Education in Community Development Efforts,” Community Investments 19(2): 3-6, 23-29.

Reid, Carolina (2007). “Native Community Development Financial Institutions: Building a Foundation for Strong Native Economies,” Community Investments 19(1): 21-23.

Reid, Carolina (2006). “Preventing Foreclosure: Initiatives to Sustain Homeownership,” Community Investments 18(3): 10-14.

Reid, Carolina (2006). “Crossing Borders, Creating Communities: Immigration Trends and their Implications for Community Development,” Community Investments 18(2): 3-8.

Reid, Carolina (2006). “A Comprehensive Neighborhood Revitalization Plan for the City of North Las Vegas,” Report prepared for the Nevada Banker’s Collaborative, Las Vegas, March 2006.

Reid, Carolina (2006). “The Corner Store: Investing in a “Sense of Place,” Community Investments 18(1): 15-16.

Reid, Carolina (2006). “Understanding the Unbanked Market in San Francisco: Engaging Financial Institutions for Working Families,” Report prepared for the Office of the Treasurer and the Office of the Mayor, San Francisco, January 2006.

Reid, Carolina (2006). “Neighborhoods in Bloom: Measuring the Impact of Targeted Community Investments,” Community Investments 17(4): 24-25.

Reid, Carolina (2006). “Tackling Neighborhood Poverty: Developing Strategic Approaches to Community Development,” Community Investments 17(4): 3-11.

Reid, Carolina (2005). “Affordable Housing in High Cost Areas: An Introduction,” Community Investments 17(3): 3-7.

Reid, Carolina (2005). “Savings in the Spotlight: Making a Case for Asset Building Policies and Programs,” Community Investments 17(2): 3-10.

Liebow, Edward. Gabrielle O’Malley, Carolina Reid, Scott Marsh, and Susan Blank (2004). “Resident Participation in Seattle’s Jobs-Plus Program.” New York, NY: MDRC.

Liebow, Edward and Carolina Reid (2001). An Evaluation of Seattle’s Section 8 Housing Voucher and Certificate Programs. Seattle, WA: Environmental Health and Social Policy Center.

Liebow, Edward and Carolina Reid (2000).  “Jobs-Plus in Seattle” pp. 124-143 in Jobs-Plus Site-by-Site: An Early Look at Program Implementation, Susan Bloom and Susan Blank eds. New York, NY: MDRC.

Reid, Carolina (1998). “Improving Health through Environmental Action” pp. 73-93 in World Resources 1998-99: Environmental Change and Human Health.  Oxford: Oxford University Press.

Mock, Gregory and Carolina Reid (1998).”Changing Environments, Changing Health.” pp.  37- 72 in World Resources 1998-99: Environmental Change and Human Health. Oxford: Oxford University Press.

Reid, Carolina (1997). “Environmental Justice,” and “Environmental Aspects of Human Health,” in Environmental Quality: the 25th Annual Report of the White House Council on Environmental Quality, pp. 81-128. Washington, DC: U.S. Government Printing Office.

BOOK REVIEWS & COMMENTARIES

Reid, Carolina (2013). “Wealth Inequality in the “Land of the Fee”: A Conversation with Devin Fergus,” Berkeley Planning Journal 26(1): 75-85.

Reid, Carolina (2012). Commentary. “The Community Reinvestment Act and the Authority to Do Good,” Public Administration Review 72(3): 439-441.

Reid, Carolina (2008). Book Review. “A Right to Housing: Foundation for a New Social Agenda,” Environment and Planning C: Government and Policy 26(2): 471-476.

Reid, Carolina (2004). Book Review. “Dependent on D.C.: The Rise of Federal Control over the Lives of Ordinary Americans.” Environment and Planning C: Government and Policy 22(4): 629-630.

Reid, Carolina (2003).Book Review. “Assets for the Poor: The Benefits of Spreading Asset Ownership.” Environment and Planning C: Government and Policy 21(2) 312-313.