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Author : Richard E. Beck (Jr.)
Publisher :
ISBN 13 : 9780899826301
Total Pages : 448 pages
Book Rating : 4.8/5 (263 download)
Download or read book Consumer Lending written by Richard E. Beck (Jr.) and published by . This book was released on 2009 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Richard K. Green
Publisher : Academic Press
ISBN 13 : 0124045936
Total Pages : 249 pages
Book Rating : 4.1/5 (24 download)
Download or read book Introduction to Mortgages and Mortgage Backed Securities written by Richard K. Green and published by Academic Press. This book was released on 2013-11-21 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. - Written for buyers of real estate, not mortgage lenders - Balances theory with increasingly complex practices of commercial and residential mortgage lending - Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 304 pages
Book Rating : 4.3/5 (91 download)
Download or read book Mortgage Market Turmoil written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Percy N. Holman
Publisher :
ISBN 13 : 9781304732996
Total Pages : 0 pages
Book Rating : 4.7/5 (329 download)
Download or read book Enemy Among Us written by Percy N. Holman and published by . This book was released on 2021-08-19 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This fiction action pack novel will pull you in and you will not want to put it down until the end.
Author : Irina Domurath
Publisher : Bloomsbury Publishing
ISBN 13 : 1509913408
Total Pages : 223 pages
Book Rating : 4.5/5 (99 download)
Download or read book Consumer Vulnerability and Welfare in Mortgage Contracts written by Irina Domurath and published by Bloomsbury Publishing. This book was released on 2017-11-30 with total page 223 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book advocates a new way of thinking about mortgage contracts. This claim is based on the assumption that we currently live in a political economy in which consumer debt fulfils a social function. In the field of housing this is evidenced by the expansion of mortgage credit through which consumers are to purchase residential property as a means of social inclusion and personal welfare. It is suggested that contract law needs to adjust to this new social function in order to avoid welfare losses in terms of default, over-indebtedness, and possibly eviction. To this end, this book analyses theoretical contract law frameworks and makes concrete proposals for contract law in the EU legal order.
Author : Richard Cordray
Publisher : Oxford University Press
ISBN 13 : 0197503012
Total Pages : 305 pages
Book Rating : 4.1/5 (975 download)
Download or read book Watchdog written by Richard Cordray and published by Oxford University Press. This book was released on 2020-02-03 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
Author : Financial Crisis Inquiry Commission
Publisher : Cosimo, Inc.
ISBN 13 : 1616405414
Total Pages : 692 pages
Book Rating : 4.6/5 (164 download)
Download or read book The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and published by Cosimo, Inc.. This book was released on 2011-05-01 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 160 pages
Book Rating : 4.:/5 (327 download)
Download or read book Promoting Home Ownership by Ensuring Liquidity in the Subprime Mortgage Market written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2004 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : James M. Kinney
Publisher : McGraw-Hill Professional Publishing
ISBN 13 :
Total Pages : 658 pages
Book Rating : 4.3/5 (512 download)
Download or read book The Handbook of Mortgage Banking written by James M. Kinney and published by McGraw-Hill Professional Publishing. This book was released on 1985 with total page 658 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Stephen L. Ross
Publisher : MIT Press
ISBN 13 : 9780262264334
Total Pages : 488 pages
Book Rating : 4.2/5 (643 download)
Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
Author : Thomas A. Durkin
Publisher :
ISBN 13 : 0195169921
Total Pages : 737 pages
Book Rating : 4.1/5 (951 download)
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Author : Gene Amromin
Publisher : DIANE Publishing
ISBN 13 : 1437987850
Total Pages : 57 pages
Book Rating : 4.4/5 (379 download)
Download or read book Complex Mortgages (CM) written by Gene Amromin and published by DIANE Publishing. This book was released on 2011 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: CM became a popular borrowing instrument during the bullish housing market of the early 2000s but vanished rapidly during the subsequent downturn. These non-traditional loans (interest only, negative amortization, and teaser mortgages) enable households to postpone loan repayment compared to traditional mortgages and hence relax borrowing constraints. But, they increase household leverage and heighten dependence on mortgage refinancing. CM were chosen by prime borrowers with high income levels seeking to purchase expensive houses relative to their incomes. Borrowers with CM experience substantially higher ex post default rates than borrowers with traditional mortgages with similar characteristics. Illus. This is a print on demand report.
Author : Miriam Anderson
Publisher :
ISBN 13 : 9789089521989
Total Pages : 460 pages
Book Rating : 4.5/5 (219 download)
Download or read book The Impact of the Mortgage Credit Directive in Europe written by Miriam Anderson and published by . This book was released on 2017 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: How has European Private Law responded to the property and mortgage markets crisis? And in what way is this reaction likely to model domestic systems? The financial and economic crisis that marked the beginning of the century has had a devastating effect on the property and mortgage markets in many Member States of the European Union. Despite this, the European legislator took its time to respond. This book analyzes the impact of the Mortgage Credit Directive (Directive 2014/17) in twelve different jurisdictions: Belgium, England, France, Germany, Greece, Ireland, Italy, Malta, The Netherlands, Poland, Portugal, and Spain. The reports show how in some instances only certain products (such as foreign currency loans) or practices (irresponsible lending, homeownership promoting policies, the use of unfair terms) were factors that triggered the property crash; in other cases; the system completely failed to address an exceptional situation; and, finally, how in some instances prudent lending explained why the market was virtually not hit at all. This book aims to find out whether the two goals of Directive 2014/17 (financial sector stability and enhanced consumer protection) can be achieved in light of its provisions and of the transposition carried out by the different Member States, and whether the changes it introduces have a significant impact in the jurisdictions considered here. Some systems are already showing signs of yet another property bubble. There is room for hope: perhaps we have learned from the past, perhaps the Directive is a step forward, but more importantly this book shows that we can learn from each other. [Subject: European Law, Private Law, Property Law]
Author : Peter Dale
Publisher : FriesenPress
ISBN 13 : 1460245180
Total Pages : 360 pages
Book Rating : 4.4/5 (62 download)
Download or read book Mortgage Smarts written by Peter Dale and published by FriesenPress. This book was released on 2015-03-23 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortgage Smarts is a thorough and thoughtful guide to mortgages and house buying across Canada. Each province or territory has different rules and the authors explain the requirements for each, laid out in tables for ease of use. The authors candidly say: “We provide usable information on issues which most of you don‘t research when you are thinking about applying for a mortgage.” Mortgage Smarts is organized to provide information in the order that a house buyer would need it, from a history of mortgages through the process of buying a house (application and closing process), the sale and end of the mortgage, and then covering cases that are not the norm. The book contains useful checklists and warning notes, references and definitions. The authors suggest that this useful book can be dipped into at any part of the mortgage process; it doesn’t need to be read from page one to the end. The extensive table of contents and index will guide you to what you need. For the reader’s convenience, all government and official internet links and all the checklists appear in the appropriate chapters and then they are grouped together in separate appendixes. Numerous case studies describe the omissions and pitfalls that face a homebuyer who is blinded by enthusiasm or given “good advice” by friends and relatives. Once you have digested and applied the information in Mortgage Smarts your search for a home should not have any unpleasant financial surprises, but a happy ending.
Author : David Leece
Publisher : John Wiley & Sons
ISBN 13 : 0470693231
Total Pages : 272 pages
Book Rating : 4.4/5 (76 download)
Download or read book Economics of the Mortgage Market written by David Leece and published by John Wiley & Sons. This book was released on 2008-04-15 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: The analysis of the mortgage market is a specialised field but examines a financial market with extremely wide-ranging implications; it affects the stability of the whole economy. The key thing about this analysis is the increasing importance of the secondary mortgage market – which in the US is now several times larger than the market for government debt. The UK secondary mortgage market is also growing and the book will provide a timely resource to those active and interested in this important financial market. The 1990s saw an enormous growth of mortgage market analysis as an academic subject and there is a vast literature scattered among the key real estate journals. There is now a great need to not only bring this very complex subject area together, but also to abstract the main issues and to render them intelligible. The book will provide an organised research resource and also inform and motivate further research into the microeconomics of mortgage markets.
Author :
Publisher :
ISBN 13 :
Total Pages : 546 pages
Book Rating : 4.3/5 (121 download)
Download or read book Federal Register written by and published by . This book was released on 2013 with total page 546 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Ray Kang
Publisher : Lulu.com
ISBN 13 : 1411664531
Total Pages : 88 pages
Book Rating : 4.4/5 (116 download)
Download or read book Consumer Realty Financing Market Demand and Competition - Research Report and Analysis written by Ray Kang and published by Lulu.com. This book was released on 2005-12 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: FALL 2005 Hardcopy Edition This 86 page report with 93 charts provides data and analysis on the markets for mortgages, mortgage refinances, second mortgages, HELOCs, home equity loans, and reverse mortgages. Detailed information on market demand and competition are provided, as well as analysis which identifies the best strategic and tactical marketing opportunities for businesses looking to be competitive in these markets. The report is based on data from over 13 million Internet searches, over $1M in pay per click advertising spending, thousands of web sites, and over 100,000 pieces of data reflecting realty related finance activities of approximately 2 million consumers. For more information on this report click here to be taken to our web site.
