recent years, the Israeli central bank has imposed protective regulation on mortgage loans in order to protect the banking …This research examines the seminal heuristic of anchoring and adjustment and its effects on the mortgage market. In … system from systemic risk associated with highly leveraged homeowners. Using a unique and detailed dataset on mortgage loans …

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 …

information and game theory. Specifically, how the regulatory failures resulted in mortgage brokers and lenders that were not … to a failure in our regulatory system. Yet, Congress has not supported comprehensive regulation related to the day …-to-day activities of mortgage brokers and their relationship with consumers. This article identifies the three regulatory and …

We examine the economic consequences of a rule designed to improve consumers' understanding of mortgage information … less attractive to lenders as an investment opportunity. Our main results document that mortgage applications affected by … into the potential channels through which this reduction in mortgage credit operates. We also find that banks partially …

During the housing crisis, it came to be recognized that inflated home mortgage appraisals were widespread during the … adopt the Home Valuation Code of Conduct (HVCC). Using unique data sets that contain both approved and nonapproved mortgage … applications, this study provides an empirical examination of the impact of the HVCC on appraisal and mortgage outcomes. The …

conditions required by the banking system to grant a mortgage. The authors find that easier access to credit inflates housing … not fall into serious recessions, although a too severe regulation can slow down economic growth. …

This paper investigates the housing and mortgage markets by means of an agent-based macroeconomic model of a credit … households’ creditworthiness conditions required by banks in order to grant a mortgage. Results show that easier access to credit … a too severe regulation can slow down economic growth. …