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Does the community reinvestment act increase lending to small businesses in lower income neighborhoods?
Kim, Mee Jung; Lee, Kyung Min; Earle, John S. - In: Economics letters 209 (2021), pp. 1-5
Persistent link: https://www.econbiz.de/10013209531
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Bank adaptation to neighborhood change : Mortgage lending and the Community Reinvestment Act
Lee, Hyojung; Bostic, Raphael W. - In: Journal of urban economics 116 (2020)
Persistent link: https://www.econbiz.de/10012795735
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Does the community reinvestment act (CRA) crowd out corporate lending?
Lu, Ruichang; Massa, Massimo; Qian, Wenlan; Zhang, Hong - 2024
Persistent link: https://www.econbiz.de/10015063663
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"Don't know what you got till it's gone" : the community reinvestment act in a changing financial landscape
Lei, Ding; Nakamura, Leonard Isamu - In: Journal of real estate research : JRER ; a publication … 43 (2021) 1, pp. 96-122
Persistent link: https://www.econbiz.de/10012483810
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Mortgage lending, default, and the Community Reinvestment Act
Ringo, Daniel - In: Journal of money, credit and banking : JMCB 55 (2023) 1, pp. 77-102
Persistent link: https://www.econbiz.de/10014305899
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Chapter 15. How Mortgage Finance Affects the Urban Landscape
Chan, Sewin; Haughwout, Andrew; Tracy, Joseph - In: Handbook of regional and urban economics : volume 5, (pp. 987-1045). 2015
This chapter considers the structure of mortgage finance in the United States and its role in shaping patterns of … on the design features of mortgage contracts that distinguish them from other loans and that have important implications … for issues presented in the rest of the chapter. We then explain how mortgage finance interacts with public policy …
Persistent link: https://www.econbiz.de/10014025300
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Know Your Customer : Informed Trading by Banks
Haselmann, Rainer; Leuz, Christian; Schreiber, Sebastian - National Bureau of Economic Research - 2022
This study analyzes information production and trading behavior of banks with lending relationships. We combine trade-by-trade supervisory data and credit-registry data to examine banks' proprietary trading in borrower stocks around a large number of corporate events. We find that relationship...
Persistent link: https://www.econbiz.de/10013388877
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Unbanked households : evidence of supply-side factors
Célérier, Claire; Matray, Adrien - 2014
This paper studies the impact of financial inclusion on wealth accumulation. Exploiting the US interstate branching deregulation between 1994 and 2005, we find that an exogenous expansion of bank branches increases low-income household financial inclusion. We then show that financial inclusion...
Persistent link: https://www.econbiz.de/10010499774
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Securitization and asset price cycle :causality and post-crisis policy reform
Cho, Man - 2010
financial crisis - the mortgage credit cycle and the home price cycle. In the viewpoint of mortgage lending, the main demand … (UCC) for owning between 2002-2006. UCC was, in turn, influenced by three key factors - the record low mortgage interest … as a significant shift factor in the demand side. In the supply-side, the main drivers for the boom-bust of mortgage …
Persistent link: https://www.econbiz.de/10008735769
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Enhancing the financing of the real economy and financial stability in the United Kingdom
Havrylchyk, Olena; Kierzenkowski, Rafał - 2015
The banking sector in the United Kingdom (UK) was deeply affected by the crisis. Bank credit has collapsed reflecting both weak demand and tighter supply. New prudential requirements have improved the resilience of the banking sector and a number of measures were taken to support credit supply....
Persistent link: https://www.econbiz.de/10011399564