Trying to balance such risks, whose potential size, shape and time horizon are extremely uncertain, against the other, more standard sources of risks to price stability involves a particularly difficult kind of trade-off.
As a result, no single potential investor may find obtaining the data to be profitable. For example, on average, lower-income areas have fewer owner-occupied homes and record fewer home-purchase loans than higher-income areas do. 14 Lower transaction activity makes accurately gauging property values and evaluating credit risks in those areas more difficult, which may inhibit the extension of credit.