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.…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
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…
Kimberly Vermeer, Josephine Louie
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January 1, 1997
In the 1930s and 1940s, mobile homes were viewed as recreational housing and were indeed highly mobile. The original intention of manufacturers was to provide temporary,…