Results 111 to 120 of about 155,783 (311)
The British Journal of Sociology, EarlyView.ABSTRACT This study examines experiences and perceptions of economic insecurity across individual social trajectories within the context of pervasive financialization in Canada. Drawing on a comprehensive pan‐Canadian survey (n = 7483) and set of interviews (n = 127) collected as part of the Great Canadian Class Study (GCCS), we use a mixed‐methods ...
Michelle Maroto +3 more
wiley +1 more source
The impact of local predatory lending laws on the flow of subprime credit [PDF]
Local authorities in North Carolina, and subsequently in at least 23 other states, have enacted laws intending to reduce predatory and abusive lending.
Anthony Pennington-Cross, Giang Ho
core
Journal of Accounting Research, EarlyView.ABSTRACT This study examines the spillover effect of bank financial misconduct on the uninsured deposits of peer banks within local markets. We first validate that misconduct banks experience an increase in deposit spreads and a corresponding outflow of deposits following the misconduct. We then show local peer banks exhibit divergent deposit responses,
Ya Kang, Yupeng Lin, Yang Qiu
wiley +1 more source
Pricing Analysis of Russian Mortgage-Backed Securities
Финансы: теория и практикаThe rapid growth of the mortgage lending market in recent years has resulted in an increase in the issuance of mortgage bonds, which, on the one hand, represent an object of investment and, on the other hand, a source of funding for the banking sector ...
S. A. Panova +2 more
doaj +1 more source
Is there discrimination in mortgage pricing? the case of overages [PDF]
We conduct an empirical investigation to explain observed differentials in mortgage overage pricing. Our analysis makes several contributions. First, we study an area of mortgage pricing that is little understood by consumers and has received little ...
Ramon P. DeGennaro +2 more
core
Journal of Accounting Research, EarlyView.ABSTRACT Bank regulators use peer information for bank evaluations and publicly disclose this information. This study investigates whether the regulatory use and disclosure of peer information induce herding behavior in banks' regulatory capital ratios.
MINJAE KIM
wiley +1 more source
FinTechThis study examines racial and ethnic disparities in mortgage-lending outcomes across different lender types—large banks, fintech lenders, non-bank lenders, small banks, and credit unions—using Home Mortgage Disclosure Act (HMDA) data from 2018 to 2023 ...
Zilong Liu, Hongyan Liang
doaj +1 more source
SUBPRIME MORTGAGES AND LENDING BUBBLES
Buletin Ekonomi Moneter dan Perbankan, 2018 We consider a model with two types of households; the poor with no initial endowment and the rich with positive endowment; and two types of assets; properties in a poor area and properties in a rich area. In the model, poor agents need credit to buy an asset whereas the rich can draw from their endowment.
openaire +2 more sources
Availability of Credit and Loan Default: A Look at the Commercial Mortgage Supply Cycle [PDF]
This study uses a structural equation approach to assess the presence of a credit supply effect in the commercial mortgage market and the lenders' ability to incorporate expectations about this effect into their lending policies.
Luis C. Mejia
core
Book Value Risk Management of Banks: Limited Hedging, HTM Accounting, and Rising Interest Rates
Journal of Accounting Research, EarlyView.ABSTRACT We document that as interest rates rose in 2022, banks largely left long‐duration assets exposed to interest rate risk while shielding the accounting value of their balance sheets. Call report and Securities and Exchange Commission (SEC) data show that only about 6% of U.S.
João Granja +4 more
wiley +1 more source