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State and local anti-predatory lending laws : the effect of legal enforcement mechanisms
Bostic, Raphael W.; Engel, Kathleen C.; McCoy, Patricia A. - In: Journal of economics & business 60 (2008) 1/2, pp. 47-66
Persistent link: https://www.econbiz.de/10003749247
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Mortgage modification and strategic behavior : evidence from a legal settlement with countrywide
Mayer, Christopher J.; Morrison, Edward R.; Piskorski, … - 2011
Persistent link: https://www.econbiz.de/10009157649
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Mortgage modification and strategic behavior : evidence from a legal settlement with countrywide
Mayer, Christopher J.; Morrison, Edward R.; Piskorski, … - In: The American economic review 104 (2014) 9, pp. 2830-2857
Persistent link: https://www.econbiz.de/10010468886
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Mortgage Modification and Strategic Behavior : Evidence from a Legal Settlement with Countrywide
Mayer, Christopher J. - 2011
We investigate whether homeowners respond strategically to news of mortgage modification programs. We exploit plausibly … strategic behavior should be an important consideration in designing mortgage modification programs …
Persistent link: https://www.econbiz.de/10013124850
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Mortgage Modification and Strategic Behavior : Evidence from a Legal Settlement with Countrywide
Mayer, Christopher J. - 2015
We investigate whether homeowners respond strategically to news of mortgage modification programs by defaulting on …-to-value ratios. These results suggest that strategic behavior of borrowers should be an important consideration in designing mortgage …
Persistent link: https://www.econbiz.de/10013037999
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Mortgage Modification and Strategic Behavior : Evidence from a Legal Settlement with Countrywide
Mayer, Christopher J. - 2011
We investigate whether homeowners respond strategically to news of mortgage modification programs. We exploit plausibly … strategic behavior should be an important consideration in designing mortgage modification programs …
Persistent link: https://www.econbiz.de/10012461592
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Congruent financial regulation
Metrick, Andrew; Tarullo, Daniel K. - In: Brookings papers on economic activity : BPEA (2021), pp. 143-196
Persistent link: https://www.econbiz.de/10014451846
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Financial education versus costly counseling : how to dissuade borrowers from choosing risky mortgages?
Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; … - In: American economic journal : a journal of the American … 12 (2020) 1, pp. 1-32
Persistent link: https://www.econbiz.de/10012180983
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Prepayment Penalties : Efficiency and Predation
Rose, Morgan J. - 2012
This paper presents evidence that reductions in mortgage interest rates associated with prepayment penalties are … greater for riskier borrowers, as measured by mortgage type, credit scores, and local incomes and education levels. This is …
Persistent link: https://www.econbiz.de/10013113897
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Credit-Induced Boom and Bust
Di Maggio, Marco - 2016
This paper exploits the federal preemption of national banks in 2004 from local laws against predatory lending to gauge the effect of the supply of credit on the real economy. First, the preemption regulation resulted in an 11% increase in annual lending in the 2004-2006 period, which is...
Persistent link: https://www.econbiz.de/10013006214