Visit this link for some very interesting articles and studies provided by the Consumer Federation of America.

Current articles include a report finds that lower-income and minority consumers are most likely to prefer and underestimate the risks of adjustable rate mortgages.

A study done in 2003 concludes that homeownership is the main path to wealth for lower inclome and minority Americans.

A classic article writen in 1994 outlines what happened this year to changes in real estate agency representation.

See also the CFA brochure called "Buying a Home: What buyers and Sellers Need to know about Real Estate Agents"