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The 2014 Home Mortgage Disclosure Act Data

Bhutta, Neil - 2017

This article documents patterns in residential mortgage lending through 2014 along a number of dimensions using data … reported under the Home Mortgage Disclosure Act. After describing high level trends in mortgage lending by race, ethnicity and … income through 2014, the article examines: (1) The effects of the new Ability-to-Repay and Qualified Mortgage rules on credit …

Persistent link: https://www.econbiz.de/10012955517

The 2013 Home Mortgage Disclosure Act Data

Bhutta, Neil - 2018

This article provides an overview of the 2013 data reported under the Home Mortgage Disclosure Act of 1975 (HMDA) and … documents mortgage market activity over time as well as lending patterns across different demographic groups and lender types …

Persistent link: https://www.econbiz.de/10012908394

Disclosure, Transparency, and Market Discipline

Freixas, Xavier - 2011

The aim of this paper is to examine what has been the role of information provision to the market throughout the crisis. We consider two main sources of information to the market, financial statements and information provided by credit rating agencies. We examine how these sources of information...

Persistent link: https://www.econbiz.de/10013118112

Limits of Disclosure

Davidoff Solomon, Steven - 2013

Disclosure has its limits. One big focus of attention, criticism, and proposals for reform in the aftermath of the 2008 financial crisis has been securities disclosure. But most of the criticisms of disclosure relate to retail investors. The securities at issue in the crisis were mostly sold to...

Persistent link: https://www.econbiz.de/10013089805

Consequences of Mandated Bank Liquidity Disclosures

Kleymenova, Anya - 2018

This paper examines the capital market consequences of mandatory disclosures of banks' liquidity and the resulting changes in banks' behavior. Employing a hand-collected sample of the disclosures of banks borrowing from the US Federal Reserve Discount Window (DW), I find that these disclosures...

Persistent link: https://www.econbiz.de/10012936451

Disclosure of risk information in the European banking sector

Klepczarek, Emilia - 2015

The debate on the scope of bank information disclosures seems to be an essential issue, especially after the 2007-2010 financial crisis. The adequate number of data provided to the public domain is the condition of transparency of the banking sector, which should assure the optimization of...

Persistent link: https://www.econbiz.de/10012010950

Transmission Effects of ESG Disclosure Regulations through Bank Lending Networks

Wang, Lynn Linghuan - 2022

This paper studies whether and how ESG disclosure regulations imposed on banks generate transmission effects along the lending channel. I use a setting of U.S. firms borrowing from non-U.S. banks and exploit the staggered adoption of ESG disclosure regulations in banks’ home countries. I find...

Persistent link: https://www.econbiz.de/10013406620

Simplifying complex disclosures : evidence from disclosure regulation in the mortgage markets

Kielty, Patrick D.; Wang, K. Philip; Weng, Diana L. - In: The accounting review : a publication of the American … 98 (2023) 4, pp. 191-216

Persistent link: https://www.econbiz.de/10014340467

Mandatory financial information disclosure and credit ratings

Vanhaverbeke, Steven; Balsmeier, Benjamin; Doherr, Thorsten - 2022

When firms are forced to publicly disclose financial information, credit rating agencies are supposed to improve their risk assessments. Theory predicts such an information quality effect but also an adverse reputational concerns effect because credit analysts may become increasingly concerned...

Persistent link: https://www.econbiz.de/10013411270

Fracking disclosure, collateral value, and the mortgage market

Sinha, Kirti - In: The accounting review : a publication of the American … 97 (2022) 5, pp. 427-454

Persistent link: https://www.econbiz.de/10013419040

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