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We examine whether CDFIs are reaching borrowers and neighborhoods that have historically faced greater barriers to homeownershipparticularly lower-income borrowers and Black, Hispanic, and Asian American and Pacific Islander (AAPI) New Yorkersand whether their lending and approval patterns differ meaningfully from those of non-certified institutions

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Their study, which has not yet been published, collected air samples from 33 homes in Dubai before, during and after water pipe smoking took place inside

However, she has reportedly been sober for two years amid the launch of Cosmoss