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evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of …
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The system of residential mortgage contact regulation enacted by the 2010 Dodd Frank Wall Street Reform and Consumer … through the sale of complex mortgage contracts with back-loaded or postponed charges, fees and penalties. Among other things … welfare-increasing mortgage credit available to consumers when it otherwise would not have been available. By severely …
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financial consumer protection aimed at slowing down the growth of the mortgage market by introducing new recommendations to … restrict LTV limits and other indicators. Households are taking advantage of the availability of mortgage loans in an …
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