study the effect of deregulation and its interaction with competition on the supply of complex mortgages. Following the … national banks in states without predatory-lending laws. We highlight a competition channel: in counties where OCC …

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 …

The late-2000s financial crisis has re-ignited a debate about the impact of regulating consumer mortgage markets. This … paper examines how a court-mandated repeal of a home mortgage regulation in Cleveland a effected home foreclosures. To …

This paper documents that racial differences in credit distribution during a general mortgage credit expansion can lead … to unintended negative consequences on crime. Exploiting a federal mortgage market deregulation, we find a significant … increase in mortgage approval to white borrowers, while the approval rate to black borrowers is unchanged. More importantly …

This paper documents that mortgage market deregulation helps mitigate the risk of population aging by affecting a … fully exposed to mortgage market deregulation increase their probability of purchasing a home and having a child by six … mortgage credit impacts the total number of children in the economy …

removing barriers to bank entry on bank competition and economic growth. As governments were not concerned about systemic … stability in this period, we are able to isolate the effects of bank competition from those of state implicit guarantees. We … states that retained state bank chartering policies. We argue that the fiercer bank competition following the introduction of …

This paper analyzes the monthly evolution of bank competition in Mexico from 2008 to 2019 using different measures …. Subsequently, we analyze whether the 2014 financial reform had an effect on some of our competition measures. We use ordinary and … supporting the idea that the reform had a positive average effect and increased banks competition intensity during a few years …