Mortgage Reforms

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Mortgage Reform: Potential Impacts of Provisions in the Dodd-Frank Act on Homebuyers and the Mortgage Market

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Author : DIANE Publishing Company
Publisher : DIANE Publishing
ISBN 13 : 1437989004
Total Pages : 83 pages
Book Rating : 4.4/5 (379 download)

Book Synopsis Mortgage Reform: Potential Impacts of Provisions in the Dodd-Frank Act on Homebuyers and the Mortgage Market by : DIANE Publishing Company

Download or read book Mortgage Reform: Potential Impacts of Provisions in the Dodd-Frank Act on Homebuyers and the Mortgage Market written by DIANE Publishing Company and published by DIANE Publishing. This book was released on 2011 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act is intended to reform residential mortgage lending and securitization practices that contributed to the recent financial crisis. The Act provides some liability protection for lenders originating mortgages that meet nine specified criteria associated with a borrower¿s ability to repay (¿qualified mortgages¿). The act also requires securitizers of mortgages not meeting separate criteria associated with lower default risk to retain at least 5% of the credit risk. This report discusses the potential impact of the act¿s: (1) qualified mortgage criteria; (2) credit risk retention requirement; and (3) provisions concerning homeownership counseling and regulation of high-cost loans. Charts and tables. This is a print on demand report.

Stabilizing the System of Mortgage Finance in the United States

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Author : Richard Koss
Publisher : International Monetary Fund
ISBN 13 : 1484312546
Total Pages : 31 pages
Book Rating : 4.4/5 (843 download)

Book Synopsis Stabilizing the System of Mortgage Finance in the United States by : Richard Koss

Download or read book Stabilizing the System of Mortgage Finance in the United States written by Richard Koss and published by International Monetary Fund. This book was released on 2017-08-08 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: It has been over a decade since the peak of house prices in the US was attained, and while there has been a concerted regulatory response to the subsequent collapse, the two Government Sponsored Enterprises (GSEs) remain in conservatorship. While this action served to forestall a deeper crisis at the time, over the past several years risks related to the system of mortgage finance can be seen building across several dimensions that need to be addressed. While reforms to the GSEs are an important part of dealing with these concerns, this paper argues that broader changes need to be made across the entire mortgage landscape to stabilize the system, even before the final state of the GSEs is fully determined.

The American Mortgage System

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Author : Susan M. Wachter
Publisher : University of Pennsylvania Press
ISBN 13 : 0812204301
Total Pages : 399 pages
Book Rating : 4.8/5 (122 download)

Book Synopsis The American Mortgage System by : Susan M. Wachter

Download or read book The American Mortgage System written by Susan M. Wachter and published by University of Pennsylvania Press. This book was released on 2011-05-31 with total page 399 pages. Available in PDF, EPUB and Kindle. Book excerpt: Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of foreclosures. Edited by two leaders in the field of real estate and finance, Susan M. Wachter and Marvin M. Smith, The American Mortgage System examines key elements of the mortgage meltdown. The volume's contributors address the influence of the Community Reinvestment Act, which is often blamed for the crisis. They uncover how the government-sponsored enterprises Fannie Mae and Freddie Mac invested outside the housing market with disastrous results. They present surprising information about low-income borrowers and the strengths of local banks. This collection of thoughtful studies includes extensive analysis of loan practices and the creation of unstable mortgage securities, presenting data largely unavailable until now. More than a critique, The American Mortgage System offers solutions to the problems facing the future of American home ownership, including identifying asset price bubbles, calculating risk, and preventing discrimination in lending. Measured yet timely and by turns provocative, The American Mortgage System provides a careful assessment of a troubled but indispensable part of the economic and social structure of the United States. This book is a sound investment for economists, urban planners, and all who shape public policy.

Principles of Housing Finance Reform

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Author : Susan M. Wachter
Publisher : University of Pennsylvania Press
ISBN 13 : 0812293738
Total Pages : 289 pages
Book Rating : 4.8/5 (122 download)

Book Synopsis Principles of Housing Finance Reform by : Susan M. Wachter

Download or read book Principles of Housing Finance Reform written by Susan M. Wachter and published by University of Pennsylvania Press. This book was released on 2016-08-10 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the fall of 2008, the world watched in horror as the U.S. housing finance system shattered, triggering a global financial panic and ultimately the Great Recession. Now, nearly a decade later, the long and slow housing recovery has reached a critical moment. Though the housing finance system has stabilized, it remains in the hands of the federal government, leaving taxpayers exposed to the credit risk while private funding remains mostly on the sidelines. Principles of Housing Finance Reform identifies the changes necessary to modernize the housing finance system, identifying guiding principles that should underlie a rebuilt system. Contributors to the volume set out a wealth of innovative solutions that are possible within this framework, presenting proposals for long-term structural reforms that would infuse new life into the U.S. housing finance system while enhancing long-term stability. Nearly a decade after the inception of the Great Recession, reform proposals have arisen across the political spectrum. This is a moment of opportunity for rebuilding a key sector of the U.S. economy. The research in this volume represents the best thinking of policy researchers and economic experts on the challenges that lie ahead and provides a roadmap for reforms to create a system characterized by liquidity, stability, access, and sustainability. Contributors: W. Scott Frame, Meghan Grant, John Griffith, Diana Hancock, Stephanie Heller, Akash Kanojia, Patricia C. Mosser, Kevin A. Park, Wayne Passmore, Roberto G. Quercia, David Scharfstein, Phillip Swagel, Joseph Tracy, Susan M. Wachter, Dale A. Whitman, Mark A. Willis, Joshua Wright.

Mortgage Reform

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Author : Government Accountability Office
Publisher :
ISBN 13 : 9781974638611
Total Pages : 84 pages
Book Rating : 4.6/5 (386 download)

Book Synopsis Mortgage Reform by : Government Accountability Office

Download or read book Mortgage Reform written by Government Accountability Office and published by . This book was released on 2017-08-17 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Dodd-Frank Wall Street Reformand Consumer Protection Act (Dodd-Frank Act) is intended, among otherthings, to reform residential mortgagelending and securitization practicesthat contributed to the recent financialcrisis. The act provides some liabilityprotection for lenders originatingmortgages that meet nine specifiedcriteria, as applicable, associated witha borrower's ability to repay ("qualifiedmortgages"). The act also requiressecuritizers of mortgages not meetingseparate criteria associated with lowerdefault risk to retain at least 5 percentof the credit risk, though federalrulemaking agencies may vary thisamount. The act directed GAO toassess the effect of mortgage-relatedprovisions on the availability andaffordability of mortgage credit and toissue a report by July 2011, but federalagencies are still developingimplementing regulations. This reportdiscusses the potential impact of theact's (1) qualified mortgage criteria,(2) credit risk retention requirement,and (3) provisions concerninghomeownership counseling andregulation of high-cost loans.To do this work, GAO analyzed aproprietary database of residentialmortgages, reviewed relevant housingand mortgage market research, andinterviewed key mortgage industrystakeholders.GAO provided a draft of this report toeight agencies. In a letter, the NationalCredit Union Administration said, asnoted in the report, that the act's..."

Mortgage Lending Reform

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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 272 pages
Book Rating : 4.3/5 (91 download)

Book Synopsis Mortgage Lending Reform by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book Mortgage Lending Reform 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 2009 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Mortgage Reform and the Federal Role in the Secondary Mortgage Market

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Author : Alfred T. Francis
Publisher : Nova Science Publishers
ISBN 13 : 9781621008613
Total Pages : 0 pages
Book Rating : 4.0/5 (86 download)

Book Synopsis Mortgage Reform and the Federal Role in the Secondary Mortgage Market by : Alfred T. Francis

Download or read book Mortgage Reform and the Federal Role in the Secondary Mortgage Market written by Alfred T. Francis and published by Nova Science Publishers. This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The federal government assumed control of the ailing Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) in 2008, two institutions that facilitate the flow of funding for home loans nationwide. The cost to taxpayers of that takeover, and the structural weaknesses that contributed to the institutions' financial problems, have prompted policymakers to consider various alternatives for the government's future role in the secondary (resale) market for residential mortgages. This book examines how Fannie Mae and Freddie Mac evolved into the institutions they are today and the rationales that are often cited for federal involvement in the secondary mortgage market and the problems that existed with Fannie Mae and Freddie Mac before the recent financial crisis.

The Housing Finance System and Federal Policy

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Author : Wilhelmina Leigh
Publisher :
ISBN 13 :
Total Pages : 124 pages
Book Rating : 4.3/5 (121 download)

Book Synopsis The Housing Finance System and Federal Policy by : Wilhelmina Leigh

Download or read book The Housing Finance System and Federal Policy written by Wilhelmina Leigh and published by . This book was released on 1983 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:

FDIC Quarterly

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Author :
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.:/5 (327 download)

Book Synopsis FDIC Quarterly by :

Download or read book FDIC Quarterly written by and published by . This book was released on 2009 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Federal Home Loan Bank System

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Author : United States. General Accounting Office
Publisher :
ISBN 13 :
Total Pages : 124 pages
Book Rating : 4.F/5 ( download)

Book Synopsis Federal Home Loan Bank System by : United States. General Accounting Office

Download or read book Federal Home Loan Bank System written by United States. General Accounting Office and published by . This book was released on 1993 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Emerging Tools and Strategies for Financial Management

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Author : Álvarez-García, Begoña
Publisher : IGI Global
ISBN 13 : 1799824411
Total Pages : 357 pages
Book Rating : 4.7/5 (998 download)

Book Synopsis Emerging Tools and Strategies for Financial Management by : Álvarez-García, Begoña

Download or read book Emerging Tools and Strategies for Financial Management written by Álvarez-García, Begoña and published by IGI Global. This book was released on 2020-02-14 with total page 357 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past years, significant changes have occurred in the corporate sector arising from globalization, increasing international competitiveness, and intensive use of information and communication technologies (ICTs). These developments have led to new corporate and social behaviors that are affecting the entire corporate value chain. Thus, business organizations are focusing on technological innovation as a driving force of development. Emerging Tools and Strategies for Financial Management is a pivotal reference source that explores both practical and theoretical perspectives on how financial management is evolving and how future consequences of technological innovation will affect individuals, businesses, and society. While highlighting topics such as financial imbalance, venture capital, and shadow banking, this publication explores the relationship between companies and their customers and the methods of generating changes in today’s enterprises. This book is ideally designed for business managers, financial analysts, financial controllers, directors, finance officers, treasurers, entrepreneurs, CEOs, academicians, students, and research professionals.

The Impact of Dodd-Frank's Home Mortgage Reforms

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Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781981722785
Total Pages : 190 pages
Book Rating : 4.7/5 (227 download)

Book Synopsis The Impact of Dodd-Frank's Home Mortgage Reforms by : United States. Congress

Download or read book The Impact of Dodd-Frank's Home Mortgage Reforms written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-12-15 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: The impact of Dodd-Frank's home mortgage reforms : consumer and market perspectives : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, second session, July 11, 2012.

The Impact of Dodd-franks Home Mortgage Reforms

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Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781977790781
Total Pages : 190 pages
Book Rating : 4.7/5 (97 download)

Book Synopsis The Impact of Dodd-franks Home Mortgage Reforms by : United States. Congress

Download or read book The Impact of Dodd-franks Home Mortgage Reforms written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-09-30 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: The impact of Dodd-Frank's home mortgage reforms : consumer and market perspectives : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, second session, July 11, 2012.

Returning Private Capital to Mortgage Markets

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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment
Publisher :
ISBN 13 :
Total Pages : 92 pages
Book Rating : 4.:/5 (319 download)

Book Synopsis Returning Private Capital to Mortgage Markets by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment

Download or read book Returning Private Capital to Mortgage Markets written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment and published by . This book was released on 2013 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Mortgage Origination

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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity
Publisher :
ISBN 13 :
Total Pages : 272 pages
Book Rating : 4.:/5 (318 download)

Book Synopsis Mortgage Origination by : United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity

Download or read book Mortgage Origination written by United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity and published by . This book was released on 2012 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Mortgage Reforms

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Author : United States Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781977954510
Total Pages : 82 pages
Book Rating : 4.9/5 (545 download)

Book Synopsis Mortgage Reforms by : United States Government Accountability Office

Download or read book Mortgage Reforms written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-10-05 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Amid concerns that risky mortgage products and poor underwriting standards contributed to the recent housing crisis, Congress included mortgage reform provisions (QM and QRM) in the Dodd-Frank Wall Street Reform and Consumer Protection Act. CFPB's regulations establishing standards for QM loans became effective in January 2014. More recently, six agencies jointly issued the final QRM rule that will become effective in December 2015. GAO was asked to review possible effects of these regulations. This report (1) discusses views on the expected effects of the QM and QRM regulations, and (2) examines the extent of agency planning for reviewing the regulations' effects, among its objectives. GAO's methodologies included identifying and reviewing academic, industry, and federal agency analyses on the expected effects of the regulations. GAO also reviewed federal guidance on retrospective reviews and interviewed agency officials to assess agency efforts to examine the effects of the QM and QRM regulations.

Legislative Proposals on Reforming Mortgage Practices

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Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 352 pages
Book Rating : 4.:/5 (327 download)

Book Synopsis Legislative Proposals on Reforming Mortgage Practices by : United States. Congress. House. Committee on Financial Services

Download or read book Legislative Proposals on Reforming Mortgage Practices written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2008 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: