W13-8: The recent housing bust precipitated a wave of mortgage defaults, with over seven percent of the owner-occupied housing stock experiencing a foreclosure.…
UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…
BABC 04-14: The 1971 federal Fair Credit Reporting Act (FCRA) was intended to promote greater accuracy in credit reporting in the United States. Inaccurate credit…
W99-11: To date, various parties have used the term "predatory lending" to describe a wide range of abuses. Regulators, industry and advocates have not agreed on a…