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Government litigation risk and the decline in low-income mortgage lending

Frame, W. Scott; Gerardi, Kristopher; Mayer, Erik J.; … - 2024

Federal Housing Administration (FHA) mortgage insurance program. The suits led to more than $5 billion in settlements and … exit has significantly reduced low-income households' overall access to mortgage credit. …

Persistent link: https://www.econbiz.de/10014582832

Fussing and Fuming over Fannie and Freddie: How Much Smoke, How Much Fire?

Frame, W. Scott; White, Lawrence J. - 2004

mortgage finance. We describe the special features of these two companies and their roles in the mortgage markets. We then …

Persistent link: https://www.econbiz.de/10005846884

Emerging Competition and Risk-Taking Incentives at Fannie Mae and Freddie Mac

White, Lawrence J.; Frame, W. Scott - Federal Reserve Bank <Atlanta, Ga.> - 2004

This paper examines two major forces that may soon increase competition in the U.S. secondary conforming mortgage … market: 1) the expansion of Federal Home Loan Bank mortgage purchase programs, and 2) the adoption of revised risk …

Persistent link: https://www.econbiz.de/10005846886

The Federal Home Loan Bank System and U.S. housing finance

Frame, W. Scott - 2016

This paper examines the role of the Federal Home Loan Bank (FHLB) System in the U.S. housing finance system. This cooperatively owned government-sponsored enterprise has changed markedly over the past 25 years as a result of membership liberalization and the demise of thrift institutions. Today,...

Persistent link: https://www.econbiz.de/10011417743

Agency conflicts in residential mortgage securitization : what does the empirical literature tell us?

Frame, W. Scott - 2016

research for the U.S. home mortgage market suggests that securitization itself may not have been a problem, but rather the …

Persistent link: https://www.econbiz.de/10011623267

The failure of supervisory stress testing : Fannie Mae, Freddie Mac, and OFHEO

Frame, W. Scott; Gerardi, Kristopher; Willen, Paul - 2015 - This version: March 2015

these GSEs as mortgage market conditions deteriorated in 2007 and 2008. The analysis focuses on a key element of OFHEO …

Persistent link: https://www.econbiz.de/10010510096

The failure of supervisory stress testing : Fannie Mae, Freddie Mac, and OFHEO

Frame, W. Scott; Gerardi, Kristopher; Willen, Paul - 2015

for Fannie Mae and Freddie Mac. We study a key component of OFHEOs model - 30-year fixed-rate mortgage performance - and … in a significant underprediction of mortgage credit losses and associated capital needs at Fannie Mae and Freddie Mac …

Persistent link: https://www.econbiz.de/10010499577

Special issue: the appropriate role of government in U.S. mortgage markets : overview of the U.S. mortgage finance system

Frame, W. Scott (ed.); Tracy, Joseph S. (ed.) - 2018

Persistent link: https://www.econbiz.de/10012214350

Villains or scapegoats? : the role of subprime borrowers in driving the U.S. housing boom

Conklin, James; Frame, W. Scott; Gerardi, Kristopher; … - 2020

Persistent link: https://www.econbiz.de/10012230641

The effect of large investors on asset quality : evidence from subprime mortgage securities

Adelino, Manuel; Frame, W. Scott; Gerardi, Kristopher - In: Journal of monetary economics 87 (2017), pp. 34-51

Persistent link: https://www.econbiz.de/10011799137