trends in a causal way. In the model, exogenous downward pressure on real interest rates increases the share of mortgage … investments. Consequently, the interbank market for mortgage securities becomes more liquid. This increases funding liquidity and … shadow banks gain comparative advantage over regulated banks with respect to the supply of mortgage loans. In relative terms …

evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of …

The extension of the subprime mortgage crisis to a global financial meltdown led to calls for fundamental reregulation … ; subprime crisis ; mortgage affiliate regulation …

tighter banking regulation on the US residential mortgage market: a market characterized by lenders subject to different … regulated banks and non-bank mortgage companies now have a larger share of the origination market. However, since the tightening …

We analyze the effect of a U.S. subprime mortgage regulation on the availability of mortgagecredit. Due to all subprime … mortgage originators being affected by the regulation studied,there is no natural control group. We use a pro t maximization … exiting the subprime mortgage market in over 200 counties, although we cannotrule out economically signi cant impacts on some …

mortgage market. The design of the Pooling and Service Agreement leads mortgage servicers to prefer foreclosure to modification …. Using a residential mortgage dataset, including loan-level information, we find that liquidity infusions from the Troubled …

This paper examines how interstate banking deregulation affects mortgage lending to minorities. I find that the … mortgage approval rates for African Americans, compared with other borrowers, decrease after interstate banking deregulation. I …

This paper examines loan originations by mortgage banking subsidiaries surrounding a recent period of regulatory … arbitrage. Mortgage banking subsidiaries of Bank Holding Companies (BHCs) became increasingly active players in the mortgage … quality of loan originations by mortgage banking subsidiaries of BHCs. We use a diff-in-diff estimator with the control group …