Texas' strict banking regulation may be partially responsible for its economic health.
Many planning commentators have suggested that Texas' relatively lax land-use planning system has protected the state from the foreclosure epidemic.
But another cause may be Texas' strict banking regulation: Texas restricts home equity loans to a greater extent than most states. In Texas, "the total amount of debt on a home cannot exceed 80 percent of its appraised value, and any proceeds cannot be used to pay off other debts."
Thanks to Michael Lewyn
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Where Urban Design Is Headed in 2024
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Savannah: A City of Planning Contrasts
From a human-scales, plaza-anchored grid to suburban sprawl, the oldest planned city in the United States has seen wildly different development patterns.
Washington Tribes Receive Resilience Funding
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LA's Top Parks, Ranked
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Urban Design for Planners 1: Software Tools
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