efficiency. In contrast, and while there is some overlap, this article focuses on a more “macroprudential” regulation of mortgage …Much regulatory effort has been devoted to improving mortgage lending, the principal source of housing finance. To date … lending — intended to reduce systemic risk. Although largely underdeveloped in the literature, the macroprudential regulation …

of a financing restriction. Part II explains the failure of the regulatory system to prevent the mortgage crisis and …

AMERICA'S MORTGAGE MARKET (Cornell University Press 2009). The book provides a good introduction to the causes of the crisis … in the mortgage market. Given, however, that the book was written before the crisis has fully taken its course, it does … fundamental questions include, what is the right level of complexity for the secondary mortgage market? What is the right level of …

context of the current debates about re-engineering the mortgage markets in the wake of the 2008 financial crisis. In … particular, the Article is the first scholarly work to introduce the concept of “smart mortgages” - loans and mortgage securities … with more rich and dynamically updated information than traditional mortgage products. The Article considers recent …

This study investigates whether mortgage financing regulation unintentionally leads to minorities paying a higher loan …

I develop a structural model of mortgage demand and lender competition to study how leverage regulation affects the … leverage regulation increases the concentration of mortgage originations, as large lenders exploit a regulatory cost advantage … equilibrium in the UK mortgage market. Using variation in risk-weighted capital requirements across lenders and across mortgages …

uncertainty about property values and subsequently increases mortgage lending activity, i.e., probability of obtaining a mortgage … disclosed to further substantiate my inference that disclosures related to fracking chemicals facilitate mortgage lending … reduction in uncertainty about collateral value is the mechanism through which these disclosures affect mortgage lending. My …

We analyze the effect of a U.S. subprime mortgage regulation on the availability of mortgagecredit. Due to all subprime … mortgage originators being affected by the regulation studied,there is no natural control group. We use a pro t maximization … assumption to construct acontrol group. We nd no statistically signi cant impact of the regulation, despite about 200institutions …

-country differences in mortgage arrears. We find that macro-prudential policies (notably regulatory LTV ratios) are significantly … negatively associated with the share of mortgage arrears in total residential debt. Our results suggest that better institutions … mortgage market characteristics, like the maturity of loans, interest rate fixity, and tax deductibility of interest payments …