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MF10-12: The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address…

MF10-13: Because of the severity of the current economic recession, the near-collapse of the United State’s financial system in the fall of 2008, and the central role…

MF10-9: The Community Reinvestment Act (CRA) is in need of a major overhaul. Much about the financial services industry has changed and much has been learned about the…

MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…

MF10-8: The collapse of the credit markets revealed that information critical to assessing the quality of many mortgage backed securities was unavailable. When subprime…

MF10-5: The U.S. mortgage finance system has gone from the envy of the world to a case study of failure in 2 short years. As recently as the 2003-2005 period the system…

MF10-4: There are three moving forces that are central to understanding the role of government sponsored institutions in the mortgage market. Understanding these forces…

MF10-6: Since mid-2007, the federal government has devoted enormous sums of money and effort to foreclosure prevention. Washington’s approach to rising foreclosures has…

Even as the worst housing market correction in more than 60 years appeared to turn a corner in 2009, the fallout from sharply lower home prices and high unemployment…

MF10-10: The boom and bust in nonprime and nontraditional mortgage lending in the UnitedStates is without precedent. The factors that fueled the boom and the way it…