Comparison Of The Federal Housing And Economic Recovery Act To Public Act 08 176

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The Financial Crisis Inquiry Report

Author : Financial Crisis Inquiry Commission
Publisher : Cosimo, Inc.
ISBN 13 : 1616405414
Total Pages : 692 pages
Book Rating : 4.6/5 (164 download)

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Book Synopsis The Financial Crisis Inquiry Report by : Financial Crisis Inquiry Commission

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.

The Great American Housing Bubble

Author : Adam J. Levitin
Publisher : Harvard University Press
ISBN 13 : 0674246926
Total Pages : 401 pages
Book Rating : 4.6/5 (742 download)

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Book Synopsis The Great American Housing Bubble by : Adam J. Levitin

Download or read book The Great American Housing Bubble written by Adam J. Levitin and published by Harvard University Press. This book was released on 2020-06-09 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.

Days of Slaughter

Author : Susan Wharton Gates
Publisher : JHU Press
ISBN 13 : 1421421941
Total Pages : 304 pages
Book Rating : 4.4/5 (214 download)

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Book Synopsis Days of Slaughter by : Susan Wharton Gates

Download or read book Days of Slaughter written by Susan Wharton Gates and published by JHU Press. This book was released on 2017-03-14 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: A cautionary tale of failed policies and corporate mismanagement that compellingly addresses previously unexplored issues of political ideology, organizational dynamics, and ethics, Days of Slaughter will appeal to readers everywhere who want a fuller explanation of what went awry in the US housing market.

Financial Restructuring to Sustain Recovery

Author : Martin Neil Baily
Publisher : Brookings Institution Press
ISBN 13 : 0815725256
Total Pages : 191 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Financial Restructuring to Sustain Recovery by : Martin Neil Baily

Download or read book Financial Restructuring to Sustain Recovery written by Martin Neil Baily and published by Brookings Institution Press. This book was released on 2013-12-11 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Nomura Institute of Capital Markets Research publication The financial crisis of 2007–08 and the Great Recession caused more widespread economic trauma than any event since the Great Depression. With a slow and uneven recovery, encouraging stability and growth is critical. Financial Restructuring to Sustain Recovery maintains that while each part of the financial services industry can play a useful role in revving up the U.S. economic engine to full capacity, the necessary reforms are sometimes subtle and often difficult to implement. Editors Martin Neil Baily, Richard Herring, and Yuta Seki and their coauthors break recovery down by three areas: Restructuring the housing finance market Reforming the bankruptcy process Reenergizing the market for initial public offerings Included are lessons drawn from Japan's experience in overcoming its long-lasting financial crisis after the collapse of its real estate market in the 1990s. Contributors: Franklin Allen (Wharton School, University of Pennsylvania), James R. Barth (Auburn University College of Business; Milken Institute), Thomas Jackson (Simon School of Business, University of Rochester), Jay R. Ritter (Warrington College of Business, University of Florida), David Skeel (University of Pennsylvania Law School), and Glenn Yago (Milken Institute).

Guaranteed to Fail

Author : Viral V. Acharya
Publisher : Princeton University Press
ISBN 13 : 1400838096
Total Pages : 233 pages
Book Rating : 4.4/5 (8 download)

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Book Synopsis Guaranteed to Fail by : Viral V. Acharya

Download or read book Guaranteed to Fail written by Viral V. Acharya and published by Princeton University Press. This book was released on 2011-03-14 with total page 233 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.

Michelle's Law

Author : United States. Congress. House. Committee on Energy and Commerce
Publisher :
ISBN 13 :
Total Pages : 24 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Michelle's Law by : United States. Congress. House. Committee on Energy and Commerce

Download or read book Michelle's Law written by United States. Congress. House. Committee on Energy and Commerce and published by . This book was released on 2008 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Central Banking in a Democracy

Author : John Wood
Publisher : Routledge
ISBN 13 : 1317704320
Total Pages : 243 pages
Book Rating : 4.3/5 (177 download)

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Book Synopsis Central Banking in a Democracy by : John Wood

Download or read book Central Banking in a Democracy written by John Wood and published by Routledge. This book was released on 2014-10-17 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Reserve System, which has been Congress’s agent for the control of money since 1913, has a mixed reputation. Its errors have been huge. It was the principal cause of the Great Depression of the 1930s and the inflation of the 1970s, and participated in the massive bailouts of financial institutions at taxpayers' expense during the recent Great Recession. This book is a study of the causes of the Fed’s errors, with lessons for an improved monetary authority, beginning with an examination of the history of central banks, in which it is found that their performance depended on their incentives, as is to be expected of economic agents. An implication of these findings is that the Fed’s failings must be traced to its institutional independence, particularly of the public welfare. Consequently, its policies have been dictated by special interests: financial institutions who desire public support without meaningful regulation, as well as presidents and those portions of Congress desiring growing government financed by inflation. Monetary stability (which used to be thought the primary purpose of central banks) requires responsibility, meaning punishment for failure, instead of a remote and irresponsible (to the public) agency such as the Fed. It requires either private money motivated by profit or Congress disciplined by the electoral system as before 1913. Change involving the least disturbance to the system suggests the latter.

Higher Education Opportunity Act

Author : United States
Publisher :
ISBN 13 :
Total Pages : 432 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis Higher Education Opportunity Act by : United States

Download or read book Higher Education Opportunity Act written by United States and published by . This book was released on 2008 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Divided We Fall

Author : Alice M. Rivlin
Publisher : Brookings Institution Press
ISBN 13 : 081573526X
Total Pages : 263 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Divided We Fall by : Alice M. Rivlin

Download or read book Divided We Fall written by Alice M. Rivlin and published by Brookings Institution Press. This book was released on 2022-10-04 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: Partisan warfare and gridlock in Washington threaten to squander America’s opportunity to show the world that democracy can solve serious economic problems and ensure widely shared prosperity. Instead of working together to meet the challenges ahead—an aging work force, exploding inequality, climate change, rising debt—our elected leaders are sabotaging our economic future by blaming and demonizing each other in hopes of winning big in the next election. They are weakening America’s capacity for world leadership and the case for democracy here and abroad. Alice M. Rivlin, with decades of experience in economic policy making, argues that proven economic policies could lead to sustainable American prosperity and opportunity for all, but crafting them requires the tough, time-consuming work of consensus building and bipartisan negotiation. In a divided country with shifting majorities, major policies must have bipartisan buy-in and broad public support. Otherwise we will have either destabilizing swings in policy or total gridlock in the face of challenges looming at us. Rivlin believes that Americans can and must save our hyper-partisan politicians from themselves. She makes the case that on many practical economic issues the public is far less divided than partisan politicians and sensationalist media would have us believe. She draws attention to numerous hopeful efforts to bridge partisan and ideological divides in Washington, in state capitols and city governments, and communities around the country, and advocates a major national effort to enable citizens and future leaders to learn and practice the art of listening to each other and working together to find common ground. This book is a practical guide for Americans across the political spectrum who are agonizing over partisan warfare, incivility, and policy gridlock and looking for ways they can help to get our democratic policy process back on a constructive track before it is too late.

Communities in Action

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 0309452961
Total Pages : 583 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis Communities in Action by : National Academies of Sciences, Engineering, and Medicine

Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.

Mortgagee Review Board

Author : United States. Department of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis Mortgagee Review Board by : United States. Department of Housing and Urban Development

Download or read book Mortgagee Review Board written by United States. Department of Housing and Urban Development and published by . This book was released on 1992 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Underwriting Manual

Author : United States. Federal Housing Administration
Publisher :
ISBN 13 :
Total Pages : 264 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Underwriting Manual by : United States. Federal Housing Administration

Download or read book Underwriting Manual written by United States. Federal Housing Administration and published by . This book was released on 1936-04 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Underwriting Manual

Author : United States. Federal Housing Administration
Publisher :
ISBN 13 :
Total Pages : 258 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Underwriting Manual by : United States. Federal Housing Administration

Download or read book Underwriting Manual written by United States. Federal Housing Administration and published by . This book was released on 1936 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Riegle Community Development and Regulatory Improvement Act of 1994

Author : United States
Publisher :
ISBN 13 :
Total Pages : 136 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis Riegle Community Development and Regulatory Improvement Act of 1994 by : United States

Download or read book Riegle Community Development and Regulatory Improvement Act of 1994 written by United States and published by . This book was released on 1994 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financial Crisis of 2008 in Fixed Income Markets

Author : Gerald P. Dwyer
Publisher : DIANE Publishing
ISBN 13 : 1437928706
Total Pages : 52 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Financial Crisis of 2008 in Fixed Income Markets by : Gerald P. Dwyer

Download or read book Financial Crisis of 2008 in Fixed Income Markets written by Gerald P. Dwyer and published by DIANE Publishing. This book was released on 2010-08 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explores how a relatively small amount of heterogeneous securities created turmoil in financial markets in much of the world in 2007 and 2008. The drivers of the financial turmoil and the financial crisis of 2008 were heterogeneous securities that were hard to value. These securities created concerns about counterparty risk and ultimately created substantial uncertainty. The problems spread in ways that were hard to see in advance. The run on prime money market funds in September 2008 and the effects on commercial paper were an important aspect of the crisis itself and are discussed in some detail. Charts and tables.

Prudential Management and Operations Standards (Us Federal Housing Finance Agency Regulation) (Fhfa) (2018 Edition)

Author : The Law The Law Library
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781727542608
Total Pages : 38 pages
Book Rating : 4.5/5 (426 download)

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Book Synopsis Prudential Management and Operations Standards (Us Federal Housing Finance Agency Regulation) (Fhfa) (2018 Edition) by : The Law The Law Library

Download or read book Prudential Management and Operations Standards (Us Federal Housing Finance Agency Regulation) (Fhfa) (2018 Edition) written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-09-22 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: Prudential Management and Operations Standards (US Federal Housing Finance Agency Regulation) (FHFA) (2018 Edition) The Law Library presents the complete text of the Prudential Management and Operations Standards (US Federal Housing Finance Agency Regulation) (FHFA) (2018 Edition). Updated as of May 29, 2018 Section 1108 of the Housing and Economic Recovery Act of 2008 (HERA) amended the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) to require the Federal Housing Finance Agency (FHFA) to establish prudential standards (Standards) relating to the management and operations of the Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corporation (Freddie Mac), and Federal Home Loan Banks (Banks) (collectively, regulated entities). This final rule implements those HERA amendments by providing for the establishment of the Standards in the form of guidelines, which initially are set out in an appendix to the rule. The final rule includes other provisions relating to the possible consequences for a regulated entity that fails to operate in accordance with the Standards. This book contains: - The complete text of the Prudential Management and Operations Standards (US Federal Housing Finance Agency Regulation) (FHFA) (2018 Edition) - A table of contents with the page number of each section

Repairing the U.S. Social Safety Net

Author : Martha R. Burt
Publisher : Rowman & Littlefield Publishers
ISBN 13 :
Total Pages : 292 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Repairing the U.S. Social Safety Net by : Martha R. Burt

Download or read book Repairing the U.S. Social Safety Net written by Martha R. Burt and published by Rowman & Littlefield Publishers. This book was released on 2010 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rising poverty and unemployment rates triggered by the recession are stark reminders of the need for a secure social safety net. Such programs should provide economic security, protect vulnerable families, and promote equality--but the United States falls behind other countries in accomplishing these goals. In Repairing the U.S. Social Safety Net, Martha R. Burt and Demetra Smith Nightingale encourage strengthening the safety net and making a national commitment to end poverty.