Rent Control, Housing Supply, and Credit Market Responses

Publication Date

Spring 4-22-2026

Presentation Length

15 minutes

College

Jack C. Massey College of Business

Department

Economics and Finance

Student Level

Undergraduate

Faculty Mentor

Colin Cannonier

Presentation Type

Talk/Oral

Summary

This paper will focus on analyzing the impact that rent control policies have on housing supply and credit markets. We seek to understand how rent control policies affect rental housing supply, residential investment, property values, and mortgage lending activity and credit availability. The motivation behind this research question stems from the ongoing implementation of rent control policies, which have been adopted in various cities across the U.S., and the need to better understand how these types of regulations directly affect the financial behavior within housing and credit markets. We plan to utilize housing supply data from the U.S. Census Bureau’s Building Permits Survey (BPS), mortgage lending data from FFIEC and CFPB Home Mortgage Disclosure Act (HMDA) datasets, and the Bureau of Labor Statistics and Bureau of Economic Analysis for further information. Using a Difference-in-Difference approach will help us analyze the effects of rent control housing supply, residential investment, property values, and mortgage lending activity. Previous research in housing economics has primarily focused on housing supply, whereas we aim to take a more financial approach by analyzing effects on price ceilings on investment behavior and mortgage lending. Ultimately, the findings of this study may provide insight for policymakers and financial institutions on how rent control policies affect investment incentives and credit market outcomes.

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