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…
Alexander von Hoffman, Eric Belsky, Kwan Lee
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March 1, 2006
W06-1: This paper reviews the ways in which housing markets shape initial neighborhood conditions and drive changes in these conditions over time. In addition, it…
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…