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 …

improve competition in the SME credit market and to boost credit provision to SMEs in the medium term. Sustainable financing …

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 …

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 … competition. Further analyses show that the effect is stronger for banks with weaker balance sheets before deregulation …

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 …

predict the early redemption of Term Asset-Backed Securities Loan Facility (TALF) loans used to purchase commercial mortgage …

Toxic mortgage related assets in bank portfolios have tested the pervasive free market wisdom that markets can …-leveraged themselves by investing in risky mortgage securities. In an efficient and perfectly informed market investors punish firms for … subordinated bond spreads by examining the role of underlying mortgage assets in the pricing of subordinated bonds by investors …