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The goal of Cityscape is to bring high-quality original research on housing and community development issues to scholars, government officials, and practitioners. Cityscape is open to all relevant disciplines, including architecture, consumer research, demography, economics, engineering, ethnography, finance, geography, law, planning, political science, public policy, regional science, sociology, statistics, and urban studies.

Cityscape is published three times a year by the Office of Policy Development and Research (PD&R) of the U.S. Department of Housing and Urban Development.

  • Borrower Beware
  • Volume 18, Number 2
  • Managing Editor: Mark D. Shroder
  • Associate Editor: Michelle P. Matuga

Commentary: How Housing Counseling, Financial Education, and Consumer Guardrails Can Support Responsible Borrowers

Sarah Gerecke
U.S. Department of Housing and Urban Development

The views expressed in this commentary are those of the author and do not necessarily represent the official positions or policies of the U.S. Department of Housing and Urban Development or the U.S. government.

The symposium in this issue of Cityscape shares timely research to inform housing policy and homeownership programs. Policymakers are concerned with the dilemma posed by historically low homeownership rates, on the one hand, and a fear of encouraging irresponsible borrowing and lending on the other. Two of the symposium articles shed light on consumer behavior toward mortgages and consumer credit, providing important insights as public and private policymakers look for new opportunities to help families build assets and modulate spending through the responsible use of credit.

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