MF10-11: Consumer transactions of all kinds are heavily regulated in the US (and all other developed capitalist countries) but debates on regulation in the US are…
MF10-15: This paper examines mortgage credit markets and the need for government intervention to protect and advance the public interest. We identify as rationales for…
Raphael Bostic, Kathleen Engel, Patricia McCoy, Anthony Pennington-Cross, Susan Wachter
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February 1, 2008
UCC08-9: The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between…
UCC08-10: In May 2008, the Truth in Lending Act (TIL), Title I of the Consumer Protection Act of 1968 (Public Law 90-321, May 29, 1968), reaches its fortieth birthday.…
BABC 04-22: Debtor protection rules ought to influence debtor/creditor interaction at three points: postdefault pre-foreclosure negotiations, the rate of default, and…
Raphael Bostic, Paul Calem, Susan Wachter
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February 5, 2004
BABC 04-5: There is a broad consensus regarding the benefits of homeownership, which include wealth accumulation and improvements along social and personal dimensions.…