Michael Stegman, Richard Cooperstein
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October 9, 2019
With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…
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…
Richard Wiener, Karen Gross, Susan Block-Lieb, Corinne Baron-Donovan
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February 2, 2004
BABC 04-2: This paper used a psycho legal methodology, which combined empirical research with legal scholarship to study debtors in bankruptcy comparing them to a sample…
Roberto Quercia, Michael Stegman, Walter Davis, Eric Stein
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October 1, 2001
The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…