-changing regulation impacted mortgage lending and risk. Our paper uses changes in regulatory treatment discontinuities associated with … loan size and leverage to detect regulation-induced loan delinquencies. We also find that an acceleration in the …

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 …

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 …

implications of regulation for mortgage markets and players, practices and conduct. This section reviews mortgage lending practices … risks in mortgage lending and promotes positive market outcomes and system stability. The article first considers the main … bodies involved in the regulation of residential mortgages, their roles and the type of regulations enforced by each …

Mortgage companies (MCs) do not fall under the strict regulatory regime of depository institutions. We empirically show …

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 … illustrate this further by documenting that households affected by the regulation are more likely to sell their home when …