BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…
BABC 04-21: Federal law has long been a primary source of important individual rights, from voting and other civil rights to workplace safety. State law, however, has…
BABC 04-7: Little systematic work exists to address the many and varied ways some borrowers end up with subprime mortgages and to what extent those loans serve the true…