, we show that fintech loans to entrepreneurs are more likely to be unsecured and short-term while bank loans are expected …

The 30-year fixed-rate fully amortizing mortgage (or "traditional fixed-rate mortgage") was a substantial innovation … accumulation, many lenders require large down payments. Second, in each monthly mortgage payment, homeowners substantially …. To resolve these three flaws, we propose a new fixed-rate mortgage, called the Fixed-Payment-COFI mortgage (or "Fixed …

represent uniquely opaque organizations for investors in capital markets. Although bank regulatory policy has long sought to … promote market discipline of banks through enhanced public disclosure, bank regulatory disclosures are notoriously lacking in … the confidentiality of a bank's proprietary investment strategies and customer information. When particular market sectors …