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The Emergence of the Subprime Market

Kathleen C. Engel and Patricia A. McCoy

in The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps

Published in print:
2011
Published Online:
April 2015
ISBN:
9780195388824
eISBN:
9780190258535
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780195388824.003.0002
Subject:
Business and Management, Political Economy

This chapter traces the emergence of subprime lending. Starting from the home mortgage market in the 1970s, when mortgage lending was the sleepy province of community thrifts and banks; it moves on ... More


Prologue

Kathleen C. Engel and Patricia A. McCoy

in The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps

Published in print:
2011
Published Online:
April 2015
ISBN:
9780195388824
eISBN:
9780190258535
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780195388824.003.0001
Subject:
Business and Management, Political Economy

This chapter traces the development of the subprime crisis, detailing how consumer abuses in an obscure corner of the home mortgage market spawned a virus that led to the near meltdown of the world's ... More


Put to the Test: OCC, OTS, and FDIC Oversight

Kathleen C. Engel and Patricia A. McCoy

in The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps

Published in print:
2011
Published Online:
April 2015
ISBN:
9780195388824
eISBN:
9780190258535
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780195388824.003.0009
Subject:
Business and Management, Political Economy

This chapter discusses oversight by the Office of the Comptroller of the Currency (OCC), Office of Thrift Supervision (OTS), and the Federal Deposit Insurance Corporation (FDIC). In addition to ... More


The Clinton Years

Kathleen C. Engel and Patricia A. McCoy

in The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps

Published in print:
2011
Published Online:
April 2015
ISBN:
9780195388824
eISBN:
9780190258535
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780195388824.003.0007
Subject:
Business and Management, Political Economy

This chapter focuses on the 1990s when subprime lending took off. While Bill Clinton was president, many of the same problems that led to the credit crisis in 2007 and 2008 came to light, including ... More


The Eurozone in the Global Financial Crisis

Charles Wyplosz

in The Global Financial Crisis and Asia: Implications and Challenges

Published in print:
2012
Published Online:
January 2013
ISBN:
9780199660957
eISBN:
9780191748981
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199660957.003.0003
Subject:
Economics and Finance, Financial Economics, South and East Asia

This chapter contrasts the United States (US) and European situations during the global financial and economic crisis and examines how much of the crisis has been imported by Europe from the US. The ... More


The 2008 Meltdown

Matthew P. Fink

in The Rise of Mutual Funds: An Insider’s View

Published in print:
2011
Published Online:
January 2012
ISBN:
9780199753505
eISBN:
9780199918805
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199753505.003.0013
Subject:
Economics and Finance, Macro- and Monetary Economics, Financial Economics

The turn of the 21st century witnessed a huge run up in home prices. Despite warnings, the Federal Reserve Board and other regulators did not act to curb speculation. When the bubble burst, there was ... More


The Financial Crisis: The Seeds of New Regulation

Alan N. Rechtschaffen

in Capital Markets, Derivatives, and the Law: Positivity and Preparation

Published in print:
2019
Published Online:
May 2019
ISBN:
9780190879631
eISBN:
9780190879662
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780190879631.003.0001
Subject:
Law, Company and Commercial Law

This chapter discusses the origins of the 2007 financial crisis, subprime lending, and government-sponsored entities. It argues that the events driving financial markets to the precipice of collapse ... More


Suburban Crisis

Andrew R. Highsmith

in Demolition Means Progress: Flint, Michigan, and the Fate of the American Metropolis

Published in print:
2015
Published Online:
January 2016
ISBN:
9780226050058
eISBN:
9780226251080
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226251080.003.0009
Subject:
History, American History: 20th Century

By the early 1970s, the neighborhood battles over race and housing first triggered by urban renewal had spilled over Flint’s northern border into suburban Beecher. There, a controversial federal ... More


A Minsky Meltdown: Lessons for Central Bankers

Janet Yellen

in The Global Financial Crisis and Its Aftermath: Hidden Factors in the Meltdown

Published in print:
2016
Published Online:
January 2017
ISBN:
9780199386222
eISBN:
9780199386253
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199386222.003.0003
Subject:
Economics and Finance, Financial Economics

A critical feature of Minsky’s world view is that borrowers, lenders, and regulators are lulled into complacency as asset prices rise. Minsky’s financial instability hypothesis suggests when optimism ... More


Reforming the Mobile Home Industrial Complex

Sonya Salamon and Katherine MacTavish

in Singlewide: Chasing the American Dream in a Rural Trailer Park

Published in print:
2017
Published Online:
May 2018
ISBN:
9781501713217
eISBN:
9781501709685
Item type:
chapter
Publisher:
Cornell University Press
DOI:
10.7591/cornell/9781501713217.003.0008
Subject:
Anthropology, American and Canadian Cultural Anthropology

This chapter provides an overview of policy strategies intended to curb, or balance financial and social aspects of homeownership and park life with the structure and profitability of the mobile-home ... More


‘The Silent Revolution’: Building Societies and the Interwar Housing Market

Antoninus Samy

in The Building Society Promise: Access, Risk, and Efficiency 1880-1939

Published in print:
2016
Published Online:
October 2016
ISBN:
9780198787808
eISBN:
9780191829864
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198787808.003.0003
Subject:
History, British and Irish Modern History, Social History

How far down the social ladder did the building societies reach in order to raise people to the status of home owners during the interwar period? This chapter uses archival data from the case studies ... More


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