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 …

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

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

mortgage credit risk and transmitted it into the financial system's vulnerable nodes.The post-crisis regulation has proceeded … on different lines for mortgage markets and for capital markets. Post-crisis regulation of residential mortgage … political economy of financial regulation. The financial crisis stemmed from excessive risk-taking and dodgy practices in the …

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 …

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 …

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 …