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.…
Julia Lane, Ned English, Fredrik Andersson, Patrick Park
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March 1, 2007
RR07-17: U.S. rental housing policy is primarily aimed at relieving the housing cost burdens of a fraction of low-income Americans for as long as they remain income-…
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…
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…