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Consumers’ Shift to Debt

Matthew P. Drennan

in Income Inequality: Why It Matters and Why Most Economists Didn't Notice

Published in print:
2015
Published Online:
May 2016
ISBN:
9780300209587
eISBN:
9780300216349
Item type:
chapter
Publisher:
Yale University Press
DOI:
10.12987/yale/9780300209587.003.0004
Subject:
Political Science, Public Policy

Debt of households has been rising rapidly since 1995. The debt to income ratio of the bottom 95 percent of the income distribution has risen well above 140 percent. The same measure for the top five ... More


Has This Happened Before?

Matthew P. Drennan

in Income Inequality: Why It Matters and Why Most Economists Didn't Notice

Published in print:
2015
Published Online:
May 2016
ISBN:
9780300209587
eISBN:
9780300216349
Item type:
chapter
Publisher:
Yale University Press
DOI:
10.12987/yale/9780300209587.003.0007
Subject:
Political Science, Public Policy

Has rising income inequality or rising household debt or a housing price bubble played a role in serious economic decline in the past? Did a rising average propensity to consume, and thus a falling ... More


Perspectives on Dodd-Frank and Finance

Paul H. Schultz (ed.)

Published in print:
2014
Published Online:
May 2015
ISBN:
9780262028035
eISBN:
9780262325929
Item type:
book
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262028035.001.0001
Subject:
Economics and Finance, Financial Economics

Leading scholars in economics, finance and law, along with regulators and practitioners, discuss Dodd-Frank and financial regulation. The origins of the Dodd-Frank Act in the financial crisis and ... More


Who Overbuilt Chicago?

Rachel Weber

in From Boom To Bubble: How Finance Built the New Chicago

Published in print:
2015
Published Online:
May 2016
ISBN:
9780226294483
eISBN:
9780226294513
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226294513.003.0005
Subject:
Sociology, Occupations, Professions, and Work

This chapter and the one that follows provide evidence for the argument that capital supply, assisted by the professional conventions of intermediaries and the pro-growth policies of local ... More


Mortgage Reform under the Dodd–Frank Act

Mark A. Calabria

in Perspectives on Dodd-Frank and Finance

Published in print:
2014
Published Online:
May 2015
ISBN:
9780262028035
eISBN:
9780262325929
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262028035.003.0011
Subject:
Economics and Finance, Financial Economics

Dr. Mark Calabria describes some of the many ways that Dodd-Frank will affect the mortgage market including the definition of a qualified residential mortgage and credit risk retention and the ways ... More


After Redlining: The Urban Reinvestment Movement in the Era of Financial Deregulation

Rebecca K. Marchiel

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226723648
eISBN:
9780226723785
Item type:
book
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226723785.001.0001
Subject:
History, American History: 20th Century

After Redlining explains the changed relationship between urbanites and their banks during the last third of the twentieth century, and argues that an urban social movement drove the change. In so ... More


What to Do About Fannie and Freddie?

Edward L. Glaeser and Dwight M. Jaffee

in The Economists' Voice: Top Economists Take On Today's Problems

Published in print:
2011
Published Online:
November 2015
ISBN:
9780231143653
eISBN:
9780231527866
Item type:
chapter
Publisher:
Columbia University Press
DOI:
10.7312/columbia/9780231143653.003.0035
Subject:
Economics and Finance, Public and Welfare

This chapter focuses on the difficulties of the two government-backed bodies, Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). Both ... More


Crisis and Innovation in the Housing Economy: A Tale of Three Markets

Michael Haliassos

in Financial Innovation: Too Much or Too Little?

Published in print:
2013
Published Online:
January 2015
ISBN:
9780262018296
eISBN:
9780262305495
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262018296.003.0004
Subject:
Economics and Finance, Financial Economics

It is generally agreed that the crises of the mid-2000s were triggered, in part, by the failures of financial innovation in the housing economy. In relation to the securitisation of mortgages, and ... More


Canadian housing allowances

Marion Steele

in Housing allowances in comparative perspective

Published in print:
2007
Published Online:
March 2012
ISBN:
9781861347541
eISBN:
9781447302506
Item type:
chapter
Publisher:
Policy Press
DOI:
10.1332/policypress/9781861347541.003.0004
Subject:
Social Work, Social Policy

The design of Canadian housing allowances is closely linked to Canada Mortgage and Housing Corporation's 30% affordability standard, and to the actual rent paid by recipients. Yet the absence of ... More


A Little Insurance

N. D. B. Connolly

in A World More Concrete: Real Estate and the Remaking of Jim Crow South Florida

Published in print:
2014
Published Online:
January 2015
ISBN:
9780226115146
eISBN:
9780226135250
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226135250.003.0007
Subject:
History, African-American History

Building on discussions of interracial alliances and conflicts outlined in the previous chapter, “A Little Insurance” explores how Jim Crow’s rental owners and property managers made use of the hard ... More


Why Private Property Needs a Legal Infrastructure

Joseph William Singer

in No Freedom without Regulation: The Hidden Lesson of the Subprime Crisis

Published in print:
2015
Published Online:
January 2016
ISBN:
9780300211672
eISBN:
9780300216578
Item type:
chapter
Publisher:
Yale University Press
DOI:
10.12987/yale/9780300211672.003.0004
Subject:
Political Science, Public Policy

Chapter 4 explains why private property needs a regulatory infrastructure. Property cannot exist if we do not have relatively clear rules about who owns what. But it also cannot operate justly if we ... More


Housing Demand, Financial Markets and Taxation

Geoffrey Meen and Christine Whitehead

in Understanding Affordability: The Economics of Housing Markets

Published in print:
2020
Published Online:
January 2021
ISBN:
9781529211863
eISBN:
9781529211870
Item type:
chapter
Publisher:
Policy Press
DOI:
10.1332/policypress/9781529211863.003.0007
Subject:
Economics and Finance, Economic Systems

In Chapter 7, fiscal and monetary policies are considered and particular attention is paid to structural changes in mortgage finance markets. From the early 1980s the UK experienced two periods of ... More


Housing, Affordability and the Macroeconomy

Geoffrey Meen and Christine Whitehead

in Understanding Affordability: The Economics of Housing Markets

Published in print:
2020
Published Online:
January 2021
ISBN:
9781529211863
eISBN:
9781529211870
Item type:
chapter
Publisher:
Policy Press
DOI:
10.1332/policypress/9781529211863.003.0008
Subject:
Economics and Finance, Economic Systems

Chapter 8 marks the beginning of the book’s policy discussion. Not only is housing strongly affected by the macroeconomy, but housing also affects the economy as a whole. Although housebuilding is a ... More


Race for Profit: How Banks and the Real Estate Industry Undermined Black Homeownership

Keeanga-Yamahtta Taylor

Published in print:
2019
Published Online:
January 2021
ISBN:
9781469653662
eISBN:
9781469653686
Item type:
book
Publisher:
University of North Carolina Press
DOI:
10.5149/northcarolina/9781469653662.001.0001
Subject:
History, African-American History

By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black ... More


Panel Discussion on the Consumer Financial Protection Bureau

Jeff Bloch, Shane Corwin, and Todd J. Zywicki

in Perspectives on Dodd-Frank and Finance

Published in print:
2014
Published Online:
May 2015
ISBN:
9780262028035
eISBN:
9780262325929
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262028035.003.0009
Subject:
Economics and Finance, Financial Economics

Jeff Bloch, of the Consumer Bankers’ Association expresses a number of concerns that the industry has about the CFPB. These include the single-commissioner governance structure of the CFPB, the exam ... More


The Dodd–Frank Act and the Regulation of Risk Retention in Mortgage-Backed Securities

Cem Demiroglu and Christopher M. James

in Perspectives on Dodd-Frank and Finance

Published in print:
2014
Published Online:
May 2015
ISBN:
9780262028035
eISBN:
9780262325929
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262028035.003.0012
Subject:
Economics and Finance, Financial Economics

Professors Cem Demiroglu and Christopher James discuss the economic rationale for the regulation of risk retention for mortgage backed securities and review empirical work on risk retention. ... More


The Patchwork Mortgage Market in the 1920s

Price Fishback, Jonathan Rose, and Kenneth Snowden

in Well Worth Saving: How the New Deal Safeguarded Home Ownership

Published in print:
2013
Published Online:
May 2014
ISBN:
9780226082448
eISBN:
9780226082585
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226082585.003.0002
Subject:
Economics and Finance, Economic History

This chapter examines the rapid expansion of the mortgage market during the 1920s and identifies the weaknesses built into it that created problems for lenders and borrowers during the 1930s. ... More


Let the Buyer Beware

Keeanga-Yamahtta Taylor

in Race for Profit: How Banks and the Real Estate Industry Undermined Black Homeownership

Published in print:
2019
Published Online:
January 2021
ISBN:
9781469653662
eISBN:
9781469653686
Item type:
chapter
Publisher:
University of North Carolina Press
DOI:
10.5149/northcarolina/9781469653662.003.0005
Subject:
History, African-American History

One major problem with the HUD’s response to the urban housing crisis was the quality of the homes made available to working class and poor African Americans. While affordable housing was a ... More


Setting the Scene

Charles W. Munn

in Investing for Generations: A History of the Alliance Trust

Published in print:
2013
Published Online:
September 2015
ISBN:
9781845861438
eISBN:
9781474406192
Item type:
chapter
Publisher:
Edinburgh University Press
DOI:
10.3366/edinburgh/9781845861438.003.0001
Subject:
Law, Constitutional and Administrative Law

This chapter provides the background of the Alliance Trust, a Dundee-based financial institution that is one of Scotland's largest and oldest general investment fund companies. The Alliance Trust was ... More


Before the Alliance: 1873–1889

Charles W. Munn

in Investing for Generations: A History of the Alliance Trust

Published in print:
2013
Published Online:
September 2015
ISBN:
9781845861438
eISBN:
9781474406192
Item type:
chapter
Publisher:
Edinburgh University Press
DOI:
10.3366/edinburgh/9781845861438.003.0002
Subject:
Law, Constitutional and Administrative Law

This chapter discusses the years before the establishment of the Alliance Trust from 1873 to 1889. In October 1873, the Oregon and Washington Trust Investment Company Ltd was inaugurated in Dundee. ... More


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