Search

From time to time, Housing Perspectives features posts by guest bloggers. Today’s post was written by Patricia McCoy, Liberty Mutual Insurance Professor, Boston College…

HBTL-04: The purposes of this paper are, first, to present a conceptual model of how the housing crisis and ensuing recession might impact both interest in and the…

HBTL-01: From 2007 through 2011, the United States housing market suffered from a severe imbalance in supply and demand. On the supply side, there were too many homes…

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…

UCC08-5: In this chapter, we provide a critical analysis of the legal landscape of residential mortgage lending and explain how federal law abdicated regulation of the…

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…

UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…

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…

Interest in homeownership among Americans has been justified by claims that it confers benefits both to individuals and to the society as a whole, including good citizens,…