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.…
Eric Belsky, Nicolas Retsinas, Mark Duda
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September 9, 2005
W05-9: Efforts to promote low-income homeownership have intensified over the past ten years. Under both regulatory and market pressures, the mortgage finance industry…
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…
Wayne Archer, David Ling, Gary McGill
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October 9, 2001
This paper examines the differential home mortgage termination experience of “affordable housing” households in the United States from 1985 to 1995. Using five two-year…
Robert Litan, Nicolas Retsinas, Eric Belsky, Susan White Haag
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April 20, 2000
In November 1999, President Clinton signed into law financial modernization legislation (referred to herein as the Financial Modernization Act (FMA)), perhaps the most…