mortgage regulation is conceptualised as a composite of obligations emanating from dual regulatory spheres; a constitutive … residential mortgage regulation contains obligations stemming from Consumer Law and Financial Services Regulation which are … regulate the interaction of borrowers and lenders in the residential mortgage context. Pursuant to this approach, residential …

Litigation against the largest subprime mortgage servicer in the US provides lessons about the appropriate regulation … of mortgage servicing and adds to research about the causes of the financial crisis. Mortgage servicing is essential to …

The federal mortgage policy, the conforming loan limit (CLL), was spatially uniform before the recent financial crisis … declines, lenders raise jumbo loan approval rates, extend credit to riskier borrowers, lower mortgage rates to defend short …

subject to the regulation. The policy reduced mortgage credit in high self-employment census tracts and banks receiving …I show that rules designed to reduce high debt-to-income mortgage lending restrict self-employed households' access to … business employment by at least 3 per cent. This unintended effect on entrepreneurship demonstrates that mortgage finance is …

of macroprudential instruments addressing mortgage credit. The model compares the introduction of a loan-to-value ratio …

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 …