| Monday 8:00 - 9:45 a.m. SEA  | 
						Session 19J The Impact of Foreclosure and Housing Policy  | 
            
Session Chairs:  | 
          Kristen Broady, Fort Valley State University  | 
Papers:  | 
					
           "African Americans, Payday Lenders, and the Foreclosure Crisis in Mississippi" "Substituting the Mortgage Interest Deduction for a Down-Payment Subsidy: A Policy Simulation" "The Effects of the Two-Rate Property Tax: What Can We Learn from the Pennsylvania Experience?" "Uncovering Systemic Risk: Can Bank Stress Testing Be Informative?"  | 
            
Discussants:  | 		
          Pavel Kapinos, Federal Deposit Insurance Corporation  |