distribution of mortgage credit in terms of access and price, by race, ethnicity, income, and over the lifecycle, with particular …This chapter considers the structure of mortgage finance in the U.S., and its role in shaping patterns of homeownership … the design features of mortgage contracts that distinguish them from other loans, and that have important implications for …

Banks’ leverage choices represent a delicate balancing act. Credit discipline argues for more leverage, while balance …

-shaped in country credit risk and increase with the time to import of a destination market. The extent to which trading partners … with intermediate levels of credit risk, which rely the most on bank guarantees, bank trade finance adjusts the least. We …