We evaluate the impact of mortgage regulation on credit volumes, household balance sheets and the reaction to adverse … information from official tax records, we identify causal effects of mortgage loan-to-value (LTV) limits. Our results show that …

macroprudential measure on mortgage lending spreads. Our results indicate that affected banks reacted heterogeneously to the … introduction of the measure. Specifically, mortgage-specialised and capital-constrained banks increase mortgage lending spreads by … a greater amount. As expected, the impact of the measure on mortgage loan pricing has been rather modest in economic …

are much higher than those observed at any point in the 2000s. We describe in this paper how non-bank mortgage companies …

Under-refinancing limits the transmission of accommodative monetary policy to the household sector and costs mortgage … likelihood mortgage holders are attentive by over 60%, from 24% to 39%. A conservative back-of-the-envelope cost …

mortgage rates. The Federal Reserve's accumulation of MBS and Treasury securities lowered MBS yields and mortgage rates by more … turn significantly lower mortgage rates …

This paper studies how United States (US) policy actions impacted mortgage-backed securities (MBS) investors and … mortgage borrowers during the subprime mortgage crisis of 2007 to 2010. The effects of the following policy actions on MBS … spreads and mortgage lending spreads are studied: (i) US Government conservatorship of Fannie Mae and Freddie Mac; (ii) US …

Providing bank notes is one of the Bank of Canada’s core functions. The Bank is therefore interested in whether cash is … distance between the 637 reserve band offices in Canada and their closest cash sources. In this study, these cash sources are …

Chen et al. (2021) show that almost one-third of First Nations band offices in Canada are within 1 kilometre (km) of an … Nations are generally among the most geographically remote communities in Canada. Further, we show that these First Nations … are also among the lowest scoring communities in Canada according to a measure of community well-being based on indicators …