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 …

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 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 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 …

Does an increase in competition increase or decrease bank stability? I exploit how the state-specific process of … interstate banking deregulation lowered barriers to entry into urban banking markets and find that greater competition …, such as merger and acquisitions or diversification. Moreover, I find that greater competition reduces banks' nonperforming …