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In the past fifteen years, there have been dramatic changes in housing and mortgage markets, including broader access to credit, increased homeownership, high house price appreciation, and the recent large increase in mortgage foreclosures. As part of its Homeownership and Mortgage Initiatives, the Federal Reserve System is sponsoring a research conference to advance our understanding of the causes and consequences of these developments as well as potential policy responses.

The program will include presentations of research papers with discussants and a policy panel that will include Governor Randall S. Kroszner. Chairman Ben S. Bernanke will deliver the keynote speech.