AEI Annual Conference Highlights: Housing Market, Walkable-oriented Development, Wealth Building Home Loan, Systemic Bias

by | Nov 24, 2021 | Housing and Land Use | 0 comments

Conference Recap: All Recordings and Slide Decks are on AEI’s Website

Here’s your chance to look over any presentations from AEI’s 10th Annual Housing Conference — all recordings and slide decks are now available on the American Enterprise Institute (AEI) website. To visit the event page, please go to

Event Summary

On November 17 and 18, the AEI Housing Center hosted its 10th annual housing conference, a two-day virtual conference. Rep. French Hill (R-AR) presented opening remarks on Congress’ housing reform efforts, and AEI’s Edward J. Pinto presented on the current bout of inflation. The other panels on November 17 focused on the state of the housing market, walkable-oriented development, the history of mortgage lending and risk, and the wealth-building home loan and the low-income first-time-homebuyer programs.

The second day of the conference highlighted AEI Housing Center research regarding claims of systemic racism in housing. Mr. Pinto and AEI’s Tobias J. Peter focused on the 2018 Brookings Institution study “The devaluation of assets in Black neighborhoods,” Freddie Mac’s research note “Racial and ethnic valuation gaps in home purchase appraisals,” and The Markup/Associated Press report “How we investigated racial disparities in federal mortgage data.” These analyses attribute large race-based differences in home values, home purchase appraisals, and mortgage decline rates to widespread racial bias, but the AEI Housing Center finds they are actually due largely to socioeconomic status (SES) differences. Recognizing SES factors is key to addressing systemic disadvantage.

After that, an interdisciplinary group of scholars offered policy solutions aimed at housing, family formation, intergenerational wealth, and educational attainment. The discussion focused on providing economically sound opportunities for lower-income households to build income and grow wealth.

Key Topics

Day 1,  Welcome Remarks, Presentation by Rep. French Hill & Panel I: Housing market update
Sissi Li and Tobias Peter Housing Market Update PPT
Ed Pinto Bonus Panel: Inflation Will Not Be Transitory PPT
Day 1, Panel II: Walkable-oriented development
Arthur Gailes Walkable Oriented Development PPT
Day 1, Panel III: A quarter century of mortgage risk (begins at 1:24:17)
Steve Oliner A Quarter Center of Mortgage Risk PPT
Day 1, Panel IV: Wealth Building Home Loan and LIFT Home
Ed Pinto LIFT Home PPT
Day 2, Opening Remarks, Presentation by Robert Doar & Panel I: The AEI Housing Center’s findings on systemic racism and discrimination in property values, appraiser practices, and mortgage lending
Tobias Peter and Ed Pinto Systemic Bias or Systemic Disadvantage PPT
Day 2, Panel II: Housing and neighborhood solutions (begins at 1:31:14)
Ed Pinto and Tobias Peter Housing Solutions PPT
Day 2, Panel III: Higher education and workforce development
Day 2, Panel IV: K–12 education, education access, and university preparation
Day 2, Panel V: Family structure
Isabel Sawhill The Effects of Marriage on Children’s Outcomes PPT
James Heckman The Lasting Effects of Early Childhood Education PPT
Wendy Wang Family Trends PPT

Submitted by:

Edward J. Pinto
Director, AEI Housing Center

American Enterprise Institute
1789 Massachusetts Ave, NW
Washington, DC 20036


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