mortgage finance. We describe the special features of these two companies and their roles in the mortgage markets. We then …

This paper examines how interstate banking deregulation affects mortgage lending to minorities. I find that the … mortgage approval rates for African Americans, compared with other borrowers, decrease after interstate banking deregulation. I …

This paper documents that racial differences in credit distribution during a general mortgage credit expansion can lead … to unintended negative consequences on crime. Exploiting a federal mortgage market deregulation, we find a significant … increase in mortgage approval to white borrowers, while the approval rate to black borrowers is unchanged. More importantly …

We document that the quasi-mandatory U.S. flood insurance program reduces mortgage lending along both the extensive and … complicated insurance mandates. Overall, our findings speak to the unintended consequences of (well-intentioned) regulation. They …

In France, firms with 50 employees or more face substantially more regulation than firms with less than 50. As a result … regulation as the combination of a sunk cost that must be paid the first time the firm reaches 50 employees, and a payroll tax … indirect inference by fitting the discontinuity of the size distribution. The key finding is that the regulation is equivalent …